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My Fico Sins

Kforce
Valued Contributor

My Fico Sins

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 

 

Message 1 of 11
10 REPLIES 10
tcbofade
Community Leader
Super Contributor

Re: My Fico Sins


@Kforce wrote:

 Not using free money from bank transfer offers.   I do this.
 Not getting a card for the "Sub".  I've done this. 
 Not taking advantage of the "Float". I've done this. 
 Not chasing higher CL's.  I'm ALWAYS doing this.
 Not chasing new cards for an extra few dollars/month.  I know that I've done this at least once. 
 Not having a Discover, AmeX, Chase, Navy or BofA card.  I've got three Discovers (counting AU), four Amex (counting AU), Three Chase cards, Three Navy cards, and one BofA card.  So?

 Not having a full credit mix, and not getting an SSL  I do have a full credit mix, but no SSL. 
 Pay each card off more than once a month. I pay SOME of mine off multiple times, some are carrying zero percent deals. 
 Not having at least 7 cards.  I've got quite a few more than seven. 
 Not following "AZEO" every month.  Me either, but I got very close earlier this year.  (AZE2)  Currently, AZE17 or so.
 Not panic, when my score changes every month. Currently not panicing, but I have in the past. 
 Not putting spend on a cards trying to make an issuer happy.  I don't do this any more, but I have in the past...

 Not having total CL's higher than my income.   My individual CLs are nearly six times my income. 

 

 I might be the high sinner in the forum.  How so?

  Should I be thrown out for my sins ?  Not a bit. 

 Any challengers ?

 

 


Hmmm.  Not sure which argument that you're chasing here, but I obviously think very differently than you do. 

 

That doesn't mean that you're wrong.  We all do it our own way and do what we believe is best for us.

 

That answer can be different for all of us.

 

 

05/02/22 Fico 8: EX 780, EQ 783, TU 772.
05/05/22 Fico 9: EX 769, EQ 766, TU No idea.

Zero percent financing is where the devil lives...
Message 2 of 11
SoCalGardener
Valued Contributor

Re: My Fico Sins


@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 


Too bad this got moved to SmorgasBoard--I'd like to give you 100 kudos!!!  You've hit the nail on the head. Smiley Very Happy

 

Oh, I'm a challenger! Yep, I calmly watch my scores go up and down by 50+ points without blinking, I pass up 0% BT offers every day, I don't have a 'full credit mix' (no loans whatsoever! Smiley Surprised), etc. I wonder who else is in this club? Smiley Happy

Amazon Prime Store CardAmerican Express Blue Cash Preferred CardAmerican Express Everyday CardBank of America Customized Cash VisaCapitalOne Quicksilver MastercardCapitalOne Quicksilver VisaCapitalOne Walmart Rewards MastercardChevron Texaco CardCiti Double Cash MastercardDiscover More CardJCPenney Gold MastercardOverstock.com CardSportsmans Guide Rewards VisaSynchrony Home Card
Message 3 of 11
Remedios
Moderator

Re: My Fico Sins


@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 

 


 

@Kforce  nice self-congratulatory pat on the back. 

 

Telling the truth, that's my favorite sin. 

Message 4 of 11
SoCalGardener
Valued Contributor

Re: My Fico Sins


@Remedios wrote:

@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 

 


 

@Kforce  nice self-congratulatory pat on the back. 

 

Telling the truth, that's my favorite sin. 


Huh? I must be missing something. How does saying stuff like "Not having a Discover, AmeX, Chase, Navy or BofA card" qualify as a self-congratulatory pat on the back? Self-denigrating, perhaps, but congratulatory?

Amazon Prime Store CardAmerican Express Blue Cash Preferred CardAmerican Express Everyday CardBank of America Customized Cash VisaCapitalOne Quicksilver MastercardCapitalOne Quicksilver VisaCapitalOne Walmart Rewards MastercardChevron Texaco CardCiti Double Cash MastercardDiscover More CardJCPenney Gold MastercardOverstock.com CardSportsmans Guide Rewards VisaSynchrony Home Card
Message 5 of 11
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: My Fico Sins


@SoCalGardener wrote:

@Remedios wrote:

@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 

 


 

@Kforce  nice self-congratulatory pat on the back. 

 

Telling the truth, that's my favorite sin. 


Huh? I must be missing something. How does saying stuff like "Not having a Discover, AmeX, Chase, Navy or BofA card" qualify as a self-congratulatory pat on the back? Self-denigrating, perhaps, but congratulatory?


My guess is because it's a post bucking the most common trends on the forum. It's not self-denigrating if the OP is actually proud that they don't fit the mold.

    
Message 6 of 11
Aim_High
Senior Contributor

Re: My Fico Sins


@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.


None of those things has anything to do with being either a "Sinner" ... or a "Saint."   They are all options that our members choose to either do or not to do when managing their credit, but nothing makes them either "right" or "wrong."   I do some of those items and I don't do others, but which-is-which doesn't really matter.   I don't judge my friends on My Fico for which side of those fences they fall.    While the topics might come up sometimes to discuss in terms of pro's or con's, we all have to make our own choices. 

 

Perhaps  a better way to take this discussion is to say why you choose not to do any of those things, @Kforce?  Tell us your philosophy item-by-item on why you avoid them. 



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 29 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 11
FinStar
Moderator

Re: My Fico Sins


@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 

 


I'm confused.

 

Were you ever on the path for FICO 'Sainthood' (given you've used the terminology "sins"/"sinner")?  Leaving the theological piece out (for the known TOS reasons); I mean, great if you don't fit the mold from what others do (or don't do) on here, but the listed characteristics in it of themselves doesn't make it unique, a model 'FICO' steward, or being right or wrong. At the end of the day, you do you. Everyone doesn't have to fit into some specific mold to shape their own credit or financial journey 🤷‍♂️

Message 8 of 11
wasCB14
Super Contributor

Re: My Fico Sins

Paying an inflated prepaid hotel rate on Amex Travel...only to realize that while the property was expensive, it wasn't actually FHR or HC and thus not eligible for the $200 statement credit. I missed a good chance to redeem some Marriott points at a comparable property within walking distance.

 

Still had a great time.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+WWFCR, Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: EDP, BCP
Closing soon: Discover

Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 9 of 11
Kforce
Valued Contributor

Re: My Fico Sins


@Remedios wrote:

@Kforce wrote:

 Not using free money from bank transfer offers.
 Not getting a card for the "Sub".
 Not taking advantage of the "Float".
 Not chasing higher CL's.
 Not chasing new cards for an extra few dollars/month.
 Not having a Discover, AmeX, Chase, Navy or BofA card.

 Not having a full credit mix, and not getting an SSL
 Pay each card off more than once a month.
 Not having at least 7 cards.
 Not following "AZEO" every month.
 Not panic, when my score changes every month.
 Not putting spend on a cards trying to make an issuer happy.

 Not having total CL's higher than my income.

 

 I might be the high sinner in the forum.

  Should I be thrown out for my sins ?

 Any challengers ?

 

 


 

@Kforce  nice self-congratulatory pat on the back. 

 

Telling the truth, that's my favorite sin. 


I respect you for that.

That should be everyone's favorite sin

Message 10 of 11
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