Left the garden, went two for four.

[tcbofade]

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@kilroy8 wrote:

TacoFade in Finance Mgr office at car dealership:

Finance Mgr: Did you finish the application

Taco: Sure, here ya go.

Finance Mgr: Let's pull your credit file.

Finance Mgr:  ...

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Nope, nope, nope, nope, nope, nope, nope.

This taco learned long ago that the reason the Finance Manager at the car dealership pulls your credit 952 times is to shop for the best deal FOR THE DEALERSHIP, not the car buyer.

We financed a vehicle in 2016, and had our financing done at a local CU BEFORE visiting dealership.

Earlier in 2019, we purchased a vehicle and wrote a check for it.    THAT was a nice feeling. 

[Meanmchine]

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@tcbofade wrote:

---

@kilroy8 wrote:

TacoFade in Finance Mgr office at car dealership:

Finance Mgr: Did you finish the application

Taco: Sure, here ya go.

Finance Mgr: Let's pull your credit file.

Finance Mgr:  ...

---

Nope, nope, nope, nope, nope, nope, nope.

This taco learned long ago that the reason the Finance Manager at the car dealership pulls your credit 952 times is to shop for the best deal FOR THE DEALERSHIP, not the car buyer.

We financed a vehicle in 2016, and had our financing done at a local CU BEFORE visiting dealership.

Earlier in 2019, we purchased a vehicle and wrote a check for it.    THAT was a nice feeling. 

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Ive had the exact opposite feelings when I was in my younger days.

[Anonymous]

Lol I feel sorry for these UWs that have to look through 20+ accounts worth of credit info to make a decision. I bet you that they see those and just say nope, not doing it. Denied. 😂 

Sorry for the denials man but you did score two sweet cards in the end. And I dunno about PenFed but NFCU > DCU and Citi. 

[Anonymous]

It was the VS app from 2003 that did him in.

Congrats BTW!

[SEAlifer]

[Anonymous]

Congrats to you, tcbofade! 

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[Anonymous]

Congrats! And hot **bleep**... what limits. I probably only really have one card on my radar at the moment, but this makes me think I should also think about a BT card at some point (although Chase seems to be sending a lot of those offers lately for my current cards).