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Large Christmas Purchases- Do or Don't?

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Valued Contributor

Re: Large Christmas Purchases- Do or Don't?


@AverageJoesCredit wrote:
I just got AA from reading myFicoSmiley Wink

Hmmmmmmm, no come back here.  Meenie.....but that's funny anyway.Smiley Very Happy

  Just wait; I'll get'cha backSmiley Wink

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Personal Credit:
Savor $5.5k/ GoodSamsVS $9k/ BB&T Spectrum VS $10.5k/ BB&T Bright VS $10.5k/
CareCredit $15k/ Synovus loc $75k plus several AU accts via DH
Biz Credit:
Amex Lowe's Rewards $21k/ Amazon Net55 $7.9k/
StaplesMore $1k/ Amex Amazon Biz $10k/several AU accts via DH plus local vendors

(Oldest Acct: 1998; Youngest Acct: Nov 2019)
Message 31 of 37
Mega Contributor

Re: Large Christmas Purchases- Do or Don't?


@AverageJoesCredit wrote:
I just got AA from reading myFicoSmiley Wink

I'm sure issuers would be interested in a way of reliably identifying those that visit certain forums, those dedicated to MS and churning for example.    "Even if you haven't done anything yet, your interest in these topics suggests you are a risk....."

 

Mmmm, give $10K to a forum admin and.....

Message 32 of 37
Established Contributor

Re: Large Christmas Purchases- Do or Don't?


@longtimelurker wrote:

@AverageJoesCredit wrote:
I just got AA from reading myFicoSmiley Wink

I'm sure issuers would be interested in a way of reliably identifying those that visit certain forums, those dedicated to MS and churning for example.    "Even if you haven't done anything yet, your interest in these topics suggests you are a risk....."

 

Mmmm, give $10K to a forum admin and.....


Do issuers read this forum?

Scores, HPs/24 mos.:
    Experian FICO Score 8 = 847, 2/24
    TransUnion = 839, 0/24
    Equifax = 839, 0/24

Cards (hover over for CL & interest rate):

Total CL: $238,000
Message 33 of 37
Super Contributor

Re: Large Christmas Purchases- Do or Don't?


@CardNut wrote:

@longtimelurker wrote:

@AverageJoesCredit wrote:
I just got AA from reading myFicoSmiley Wink

I'm sure issuers would be interested in a way of reliably identifying those that visit certain forums, those dedicated to MS and churning for example.    "Even if you haven't done anything yet, your interest in these topics suggests you are a risk....."

 

Mmmm, give $10K to a forum admin and.....


Do issuers read this forum?


I would be totally shocked if they don't. This place is a wealth of info. They can see what we clamor for, what loopholes we have found, what we dislike, which lenders we hold in high esteem, etc. I guarantee you that AMEX almost 100% knows that people who ask for exactly 3X their credit limit at 61 days found this out online, for example. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 34 of 37
Frequent Contributor

Re: Large Christmas Purchases- Do or Don't?

I’m sure that MyFICO is a place they go. I am sure they are more worried about FT and churner forums than the souls over at MyFICO who want big SLs and optimized spending.
Message 35 of 37
Mega Contributor

Re: Large Christmas Purchases- Do or Don't?


@Sage512MB wrote:
I’m sure that MyFICO is a place they go. I am sure they are more worried about FT and churner forums than the souls over at MyFICO who want big SLs and optimized spending.

Right, those were the ones I would think they want to target.

Message 36 of 37
Valued Contributor

Re: Large Christmas Purchases- Do or Don't?

Smiley Very Happy  

delete, delete, edit, edit, delete, delete....lol!

Check out my siggySmiley Tongue

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Personal Credit:
Savor $5.5k/ GoodSamsVS $9k/ BB&T Spectrum VS $10.5k/ BB&T Bright VS $10.5k/
CareCredit $15k/ Synovus loc $75k plus several AU accts via DH
Biz Credit:
Amex Lowe's Rewards $21k/ Amazon Net55 $7.9k/
StaplesMore $1k/ Amex Amazon Biz $10k/several AU accts via DH plus local vendors

(Oldest Acct: 1998; Youngest Acct: Nov 2019)
Message 37 of 37
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