I think most people get this, but I think it's a thread-worthy topic. Almost every day on this forum I see threads with people saying that a lender "hates" them, or someone saying that a lender "loves" them. I know it's all a figure of speech for the most part, but there are times that emotions I think play into these situations too much and cloud judgment.
Someone gets denied a CLI and posts, "Discover hates me." Someone else gets a huge CLI and posts, "Amex loves me." Someone has had a Capital One card for 4 years that's stuck at a $1000 limit and they post, "Capital One hates me." Someone else gets an APR reduction on their card and writes, "Citi loves me."
The inclusion of "me" into the above examples makes it personal, thus allowing emotions to get involved. I simply think it's important to understand that it's all about one's profile and it's not personal. Again, I think most of us get this, but there are times where you can tell that people are completely taken over by emotion and it can get to the point of being irrational.
''Chase hates me. I've applied 3 times for one of their cards and always get denied. I've never burned them in the past and it's BS that they won't get me a shot. I'm done trying. If they don't like me, I'll take my business elsewhere."
Just an example above. It's not personal, it's just something in this person's profile that Chase doesn't find appealing. Maybe it's being > 5/24. Maybe it's a ton of inquiries. Perhaps negative items present or high utilization. There's always a reason. And, the reason isn't personal.
While it's easily to get quickly emotionally invested in these things (no doubt I've been guilty of that) we all have to remember that it comes back to our credit profile and the best thing you can do is continue to educate yourself on this forum and push forward on strengthening that profile.
