Time to end the Congrats

[baller4life]

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@Themanwhocan wrote:

Congrats

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[heyarrnold]

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@Callandra wrote:

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@heyarrnold wrote:

It honestly depends on each individual person. Not all of us think alike or live under the same circumstances.

I don't see cards as debt. I treat them as cash. I only use what I know I can pay back in full. And at the same time, I get points or cash back. It's definitely a win for me, and for other people too. Therefore, that, to me, deserves a congrats

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Same here; I use my cards for points/cash back. I have to buy food, gas, clothes, etc anyway so I may as well get a little something back.  I always PIF and live well within my means so I think I deserve congrats too. 

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Exactly! Yay us. 

 

Hahahahahah

[Closingracer99]

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@eric19k wrote:
Credit is a great tool to have for building stable career, having reliable car, buing houses for their families. Whatever persons needs are we just congratulate them in their success for building their bright future. We all fail, all make mistakes and we all here to fix past in order to have a better future.
If person who gets credit card or a loan to get in debt it is his problem.

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+ 1      

Credit cards are a Tool first and foremost not something to keep on swiping. Credit cards are basically loans. The bank ( the issuer) gives the merchant their money and you like any other loans has to repay that loan.    Viewing Credit cards as loans and not just plastic ( or metal) is a great way to view them imo

OH want to say Congrats    for giving us your Opinion

[GlocksAndCredit]

Wow....

[baller4life]

Ok ok. But there ARE some posters that "congrats" is all they ever post. Never engaging in conversations or offering help or advice. And sometimes that DOES get a lil annoying. IJS.

[GlocksAndCredit]

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@atd1970 wrote:

Lets face it, people apply for credit for two reasons; firstly because people desire a wallet full of cards, with all the benefits and status the card brings. Secondly, people get cards because he or she is trying to meet immediate needs. The kids need clothes, there has to be food on the table, or the rent payment has to be paid.

However, we, on this site, continue to say CONGRATULATIONS.

Why? We congratulate people for increasing debt. That makes no sense.

The questions should be, why do you need this card; what is your repayment plan; and how much money can you afford toward yet another debt obligation.

50 percent of the posts here simply say "Congrats", just think before you post, and may ask some questions.

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A lot of people on this forum "lurk" and are in the process of learning about credit. Maybe that's all they feel comfortable saying - until they obtain more knowledge to engage in an intelligent "credit" conversation......

Think before you generalize a post......

[Closingracer99]

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@baller4life wrote:
Ok ok. But there ARE some posters that "congrats" is all they ever post. Never engaging in conversations or offering help or advice. And sometimes that DOES get a lil annoying. IJS.

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Well there is the Credit card approvals thread for that which I usually avoid for that reason lol

[BluePoodle]

Many people here are rebuilding. If we can't encourage one another here in the forum on successes, where can we?  

There are often posts of people who have in my opinion, over apped. When they post a new CL and I feel they should not even be applying for new credit...I do like my Mother taught me and move on. I don't say "congrats" and I keep my comments to myself because I probably would not have anything nice to say.  But otherwise, I have no problem in saying congratulations!

[eric19k]

We can use instead of CONGRATS something like LOSER!!!! You got yourself in debt.

[baller4life]

True true. Good point. I usually do as well because I'm gardening. And it's like an alcoholic going to happy hour for me when I go over there.