topic Re: What do you find most disturbing? in Credit Cards

What do you find most disturbing?

Anonymous — Fri, 10 May 2013 11:28:15 GMT

For me the number one is 18 year olds trying to get 25k Signature cards.

#2 People with 19 INQ's wondering why they have a wait 7-10 day response

#3 People waiting by the mailbox over a Whole Day! for their new card

#4 People that think "gardening" for one month deserves a medal

#5 People that wonder why their score is so low with a BK

#6 19 year olds with a 65k income trying to get a credit card (exceptions granted per enharu)

#7 Trying to get a CLI on a secured CC after having it for one month (per CashOnDelivery)

#8 people who complain about other people's personal financial decisions on a public forum that is largely meant to help many of the people they are complaining about (per Default4) this spot is available

#9 Someone making a list of things that disturb him/her that have absolutely nothing to do with said individual (per LS2982)

#10 Mod Lock - game over, thanks for playing...see you next thread, until then keep those scores rising! ciao!

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 07:17:47 GMT

@Anonymous wrote:
For me the number one is 18 year olds trying to get 25k Signature cards.
#2   People with 19 INQ's wondering why they have a wait 7-10 day response
#3   People waiting by the mailbox over a Whole Day! for their new card
#4   People that think "gardening" for one month deserves a medal
#5   People that wonder why their score is so low with a BK
#6   19 year olds with a 65k income trying to get a credit card

Interesting...For #6 do you mean 19 year olds using 65K as HHI vs. individual income?

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 07:45:06 GMT

@Anonymous wrote:
@Anonymous wrote:
For me the number one is 18 year olds trying to get 25k Signature cards.
#2   People with 19 INQ's wondering why they have a wait 7-10 day response
#3   People waiting by the mailbox over a Whole Day! for their new card
#4   People that think "gardening" for one month deserves a medal
#5   People that wonder why their score is so low with a BK
#6   19 year olds with a 65k income trying to get a credit card
Interesting...For #6 do you mean 19 year olds using 65K as HHI vs. individual income?

LOL, ummmm....individual income, with a family these days 65k can barely keep Taters n Mustard on the table!

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 07:32:21 GMT

Add #7-Trying to get a CLI on a secured CC after having it for one month

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 10:48:21 GMT

Re: What do you find most disturbing?

Exonumist — Fri, 10 May 2013 08:00:29 GMT

#8 people who complain about other people's personal financial decisions on a public forum that is largely meant to help many of the people they are complaining about.

Seriously, people come here to learn. We have all made mistakes with our credit. I think this thread is a bit ridiculous.

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 08:14:44 GMT

@Default4 wrote:
Seriously, people come here to learn. We have all made mistakes with our credit. I think this thread is a bit ridiculous.

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 08:20:03 GMT

@Default4 wrote:
#8 people who complain about other people's personal financial decisions on a public forum that is largely meant to help many of the people they are complaining about.

Seriously, people come here to learn. We have all made mistakes with our credit. I think this thread is a bit ridiculous.

None of my business nor my place to be "disturbed."

Re: What do you find most disturbing?

dodfire — Fri, 10 May 2013 08:25:48 GMT

Making a list of this manner seems to be a little self righteous to me.

Self-righteousness (also called sanctimoniousness, sententiousness, and holier-than-thou attitudes[1]) is a feeling or display of (usually smug) moral superiority[2] derived from a sense that one's beliefs, actions, or affiliations are of greater virtue than those of the average person.

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 08:29:54 GMT

Looking for #9 before I need a tissue.

Re: What do you find most disturbing?

dodfire — Fri, 10 May 2013 08:31:06 GMT

@Anonymous wrote:
Looking for #9 before I need a tissue.

You don't need a tissue, you need a little maturity!!

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 08:34:39 GMT

@dodfire wrote:
@Anonymous wrote:
Looking for #9 before I need a tissue.
You don't need a tissue, you need a little maturity!!

Is there something on that list that looks mature to you?

Re: What do you find most disturbing?

09Lexie — Fri, 10 May 2013 08:37:33 GMT

Lets all be respectful of others and their opinions.

Please play nice.

Re: What do you find most disturbing?

dodfire — Fri, 10 May 2013 08:41:40 GMT

@Anonymous wrote:
@dodfire wrote:
@Anonymous wrote:
Looking for #9 before I need a tissue.
You don't need a tissue, you need a little maturity!!
Is there something on that list that looks mature to you?

This thread is neither helpful or encouraging for anyone. So, what is the point? 100% Negativity.

Appearantly you have forgotten where you came from just a mere 6 months ago, looking back at your original post here:

After waiting 7 years for the exwifes duragatory charged off autoloan to drop off all three bureaus, I decided to make my move. My Walmart Fico score jumped from 650 to 730 overnight so with armed with a $600 Walmart store card and a $750 Cap One Mastercard both under two years old, I applied for ~~three~~ four cards as follows:

1) Walmart Discover - Instant approval $2000 (TU HP)

2) Citi Thankyou Visa - Instant approval $5000 (EX HP)

3) Chase Freedom - Instant approval $5000 (EX HP)

4) American Express Gold - Instant approval (EX HP)

Back to the garden, things are finally starting to grow.

(edited to add AMEX)

So, why start a thread of putting others down who are seeking help and probably made some of the same poor choices that MANY of us here have made?

It has been pointed out time and time again that the purpose of these forums are to be a place of help and encouragement, not a bash fest!!

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 08:50:06 GMT

So, why start a thread of putting others down who are seeking help and probably made some of the same poor choices that MANY of us here have made?

It has been pointed out time and time again that the purpose of these forums are to be a place of help and encouragement, not a bash fest!!

I'm not putting people down or bashing them. Just asking people what disturbes them the most.

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 08:56:11 GMT

Listen people, this thread is not about bashing.

I've had moderators tell me to to tone it down here before. (thx lex but I dont need your help)

Having a little fun with a hint of knowledge, so take what you want from it. If you don't like it, start your own thread!

Re: What do you find most disturbing?

09Lexie — Fri, 10 May 2013 09:05:08 GMT

All I can do is ask for common courtesy and comments to remain helpful and cordial.

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 09:11:13 GMT

@09Lexie wrote:
All I can do is ask for common courtesy and comments to remain helpful and cordial.

You've already stated that.

Do you have #9 or are you going to stay up all night policing my thread?

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 09:20:00 GMT

LOL, ummmm....individual income, with a family these days 65k can barely keep Taters n Mustard on the table!

It never fails to shock me that so many high-income people think 80K or 100K is average, normal, "modest," etc. I see that often on these forums.

Median household income is 45K in the United States. So there are a lot of people putting taters on the table with that income.

It's good to be reminded that of that every now and then. (Especially if one has a tendency to self-righteousness..)

Re: What do you find most disturbing?

Anonymous — Fri, 10 May 2013 09:21:30 GMT

@09Lexie wrote:
All I can do is ask for common courtesy and comments to remain helpful and cordial.

Lex, I know you mean well but please don't interfere with my threads, you are not a moderator nor the Fico police.

I've been gardening for 10 years, I do have a clue what I'm talking about. I don't mind if people get emotional, its the best part.

Don't worry Lex, I won't hurt anybody.