topic Re: How sad is this....? in Credit Cards

How sad is this....?

Anonymous — Sat, 28 Jul 2007 20:49:51 GMT

So I make my living as a waitress right now. And today I realized how addicted I am to this forum and how much it has changed my views on things. A guy paid with an Amex Gold reward plus card, and I ran up to a friend of mine and was like. OMG, look. This card is soooo cool. It's an AmEx so it's hard to get and the rewards program for this card rocks. He looked at me like was insane. And whenever other people pay with credit cards, like discover, I think of great their score must be. How I wish I had their credit. It's like I'm jugding people based on what credit cards they have, lusting after some of their cards and scores. Oh well, someday I'll be able to get a prime card too!!!!!. Just thought I'd share.

Message Edited by Savings321 on 07-28-2007 01:49 PM

Re: How sad is this....?

MidnightVoice — Sat, 28 Jul 2007 20:48:22 GMT

Please don't think you are the only one addicted

Re: How sad is this....?

Anonymous — Sat, 28 Jul 2007 20:51:36 GMT

For sure....

Re: How sad is this....?

fused — Sat, 28 Jul 2007 21:33:00 GMT

Savings321 wrote:
So I make my living as a waitress right now. And today I realized how addicted I am to this forum and how much it has changed my views on things. A guy paid with an Amex Gold reward plus card, and I ran up to a friend of mine and was like. OMG, look. This card is soooo cool. It's an AmEx so it's hard to get and the rewards program for this card rocks. He looked at me like was insane. And whenever other people pay with credit cards, like discover, I think of great their score must be. How I wish I had their credit. It's like I'm jugding people based on what credit cards they have, lusting after some of their cards and scores. Oh well, someday I'll be able to get a prime card too!!!!!. Just thought I'd share.

Message Edited by Savings321 on 07-28-2007 01:49 PM

Perhaps their scores were good or even great when they applied. What we (you) don't know is if there scores are now in the toilet b/c their cards are nearly maxed-out! I really think amongst CCCs DISScover has some of the most stringent underwriting. Tough card to get approved for. Any wonder that we see so few Discover posts at this forum...most of us are in credit repair mode.

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 01:41:51 GMT

If I had read this forum before I applied for the Discover I would have waited until all my scores were in the 700s. I didn't know. I just thought it would be a good card to have and applied on a fluke (07/07), and got it. My FICO scores prior (4/07) to applying were mid 600s, but afterwards FICO scores were:

EX 701

EQ 677

TU 672.

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 04:23:10 GMT

Awesome. Nice scores. I'm hoping to be somewhere around there by the end of the year!!!

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 05:37:50 GMT

Thank you Savings321! If you stick with the pros on this web site and heed the useful info you will achieve your goals and probably surpass them! Good Luck!

Re: How sad is this....?

Tuscani — Sun, 29 Jul 2007 10:40:40 GMT

Imagine your suprise when someone whips out their Centurion.

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 12:42:41 GMT

Imagine how surprised you'll be when you figure out that the AMEX Gold Rewards card really isn't one of the *hard to get* AMEX cards.

Once you have an AMEX they try to push this card and the Delta Gold on you like a drug.

If I were going to be impressed with someone based on the cards they had Discover and PenFed would certainly be higher than AMEX on my list.

In fact I'd be more *impressed* with a BofA AMEX than an American Express AMEX, unless it's a Centurion as Tuscani mentioned - which I don't think I'll ever see outside of a picture online anyway.

American Express the company isn't as prestigious as people think as they have become much easier to get than in the past.

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 12:50:16 GMT

@Anonymous wrote:
Imagine how surprised you'll be when you figure out that the AMEX Gold Rewards card really isn't one of the *hard to get* AMEX cards.

Once you have an AMEX they try to push this card and the Delta Gold on you like a drug.

If I were going to be impressed with someone based on the cards they had Discover and PenFed would certainly be higher than AMEX on my list.

In fact I'd be more *impressed* with a BofA AMEX than an American Express AMEX, unless it's a Centurion as Tuscani mentioned - which I don't think I'll ever see outside of a picture online anyway.

American Express the company isn't as prestigious as people think as they have become much easier to get than in the past.

I've seen one of those Centurions!!! My boss has one. Of course I didn't know how "prestigious" it was until now. The first thing out of my mouth when I saw that card was, "That's a funky looking card." hahaha

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 18:38:56 GMT

@Anonymous wrote:

@Anonymous wrote:
Imagine how surprised you'll be when you figure out that the AMEX Gold Rewards card really isn't one of the *hard to get* AMEX cards.

Once you have an AMEX they try to push this card and the Delta Gold on you like a drug.

If I were going to be impressed with someone based on the cards they had Discover and PenFed would certainly be higher than AMEX on my list.

In fact I'd be more *impressed* with a BofA AMEX than an American Express AMEX, unless it's a Centurion as Tuscani mentioned - which I don't think I'll ever see outside of a picture online anyway.

American Express the company isn't as prestigious as people think as they have become much easier to get than in the past.

I've seen one of those Centurions!!! My boss has one. Of course I didn't know how "prestigious" it was until now. The first thing out of my mouth when I saw that card was, "That's a funky looking card." hahaha

Really? Your boss has one? That's crazy!!!! Where do you work???? lol. I'd never imagine seeing one in person. Not too many wealthy high spenders around here....

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 19:13:01 GMT

Prestige? Status? All because of a credit card?

With all due respect and I sincerely mean that... wake up folks. Nothing says more about a person that seeing them pay with CASH.

Seriously.

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 19:32:21 GMT

@Anonymous wrote:
Prestige? Status? All because of a credit card?

With all due respect and I sincerely mean that... wake up folks. Nothing says more about a person that seeing them pay with CASH.

Seriously.

I agree with you to a point. There are certain subprime cards that I'd be embarrassed to use in person. When you start talking about cards that are PRIME, that's where I'll need to differ in opinion. Really when it comes down to it, who am I to judge someone by how they pay for something? What does it matter to me?

Re: How sad is this....?

andyaycw — Sun, 29 Jul 2007 21:11:28 GMT

I think some of us take our credit for granted, in that we just expect to get approved for prime cards and we're just plain used to it. There are others that have not been as fortunate as us though, so it's a bigger deal for those who haven't been able to hold a Prime card yet...

Most of us have cell phones today and it's no big deal. But what about someone who hasn't been able to afford a cell phone? It's certainly going to be a bigger deal to them than it us to us because we've been used to it...

Just trying to see this from a different perspective...

Message Edited by andyaycw on 07-29-2007 02:11 PM

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 21:25:47 GMT

@andyaycw wrote:
I think some of us take our credit for granted, in that we just expect to get approved for prime cards and we're just plain used to it. There are others that have not been as fortunate as us though, so it's a bigger deal for those who haven't been able to hold a Prime card yet...

Most of us have cell phones today and it's no big deal. But what about someone who hasn't been able to afford a cell phone? It's certainly going to be a bigger deal to them than it us to us because we've been used to it...

Just trying to see this from a different perspective...

Message Edited by andyaycw on 07-29-2007 02:11 PM

EXACTLY! Up until a couple months ago I had NEVER had a prime CC. In fact I had 3 CCs, an orchard and 2 Crap1 cards. I now have 8 PRIME cards. I must say the 2 I'm most proud of are the Discover and RBS, both from CCCs that aren't easy to get (much harder than AMEX) and both *decent* CLs as far as both of these CCCs go.

Re: How sad is this....?

fused — Sun, 29 Jul 2007 21:38:47 GMT

db23 wrote:
I
f I were going to be impressed with someone based on the cards they had Discover and PenFed would certainly be higher than AMEX on my list.

In fact I'd be more *impressed* with a BofA AMEX than an American Express AMEX, unless it's a Centurion as Tuscani mentioned - which I don't think I'll ever see outside of a picture online anyway.

Discover is hard to get, PenFed is easier to get than Blue and maybe even clear. Some Amex cards are easy to get while others are not.

Re: How sad is this....?

andyaycw — Sun, 29 Jul 2007 21:52:03 GMT

Aside from the distinction of prime and subprime cards...

I just look for cards that have the features I want, then I'll weigh my chances of being approved/denied based on my scores and perhaps ask other people for their opinions I would never try to get a card just because of its prestige...

Re: How sad is this....?

Anonymous — Sun, 29 Jul 2007 22:06:42 GMT

@fused111 wrote:
Discover is hard to get, PenFed is easier to get than Blue and maybe even clear. Some Amex cards are easy to get while others are not.

Interesting, I got denied by PenFed and approved from AMEX, I have both Clear and Blue. PenFed loves to use the Pyramiding debts term. I'll wait about 6-7 months and then try for PenFed, Navy and NASA.

Re: How sad is this....?

fused — Sun, 29 Jul 2007 22:13:54 GMT

@Anonymous wrote:
@fused111 wrote:
Discover is hard to get, PenFed is easier to get than Blue and maybe even clear. Some Amex cards are easy to get while others are not.

Interesting, I got denied by PenFed and approved from AMEX, I have both Clear and Blue. PenFed loves to use the Pyramiding debts term. I'll wait about 6-7 months and then try for PenFed, Navy and NASA.

Hmmm...Strange! I have heard of people being TD for Amex Blue and Clear and approved by Penfed. Just proves scores are not everything!

Re: How sad is this....?

Anonymous — Mon, 30 Jul 2007 17:13:39 GMT

PenFed?