MemberSince99 wrote: takeshi wrote:
MemberSince99 wrote:I know you gotta jump right in and tell me I'm a fruitcake and state the obvious generalities as always, so thanks for that. Life wouldn't be the same without that.
You have no problem repeatedly and sometimes cruelly mocking other people (e.g., posters at myfico in general, sometimes specific ones).Yet you can't seem to take it when someone mildly critiques one of your views. Nobody on this board to my knowledge called you a "fruitcake" or any other anti-gay slur. But you've been banned at myfico in large part for using racist slurs against President Obama and Overseas customer service reps. I guess its ok for you to give it but you can't seem to take far more mild critiques than you give.
You mock the myfico people for their concern with avoiding inquiries (admittedly they don't alway follow their advice), but in the last week you've been "hacked off" at Barclays and "antagonized" by Discover over inquiries that didn't yield greater credit. This despite the fact that you have 100k in available credit, recently closed on a mortgage and got a new vehicle. You almost certainly don't need the additional credit and the inquiries you took surely won't matter much on your report considering how many inquiries you must already have. The most reasonable conclusion here is that you looking for trivial reasons to be angry. And considering that you already have more credit than you seem to need, what's the point in all of this anger? Wouldn't it be easier to enjoy the cards you have an not get ticked off because someone won't issue you a second card or give you a CLI you don't need?
After the Barclay decline, you went on a rant about "idiot[s] with 450 to burn" (in annual fees) who get the Barclay Visa Black, even though that card's questionable wisdom had nothing to do with your CLI decline and even though you've signed up for credit cards whose combined annual fees far exceed the Barclay Visa black annual fee (though they might be waived the first year). Are you that different from the typical Visa Black customer? Yea, visa black seems marketed toward people who desire a "shallow prestige" that might come from having such a card and also the admiring comments of store clerks who don't realize the card is a knock-off centurion. Yet you seem to want credit card companies to show how much they want your business by granting you new cards and CLIs even though you have a lot of credit already. Visa Black customers want store clerks to fawn over them, you want credit card issuers to fawn over you and you want to make them, in your words, "compete for [your] business."
After Discover and Barclay decline you for extra credit, you get all offended and say "Citi clearly wants my business and amex seems to as well. FNBO keeps sending me mailers so I take it they'd like some action as well." Yet in the past you've rage closed FNBO cards because a customer service rep dared ask you to give your account number twice and you've made multiple complaints about Amex too and their overseas reps. Some of these complaints are borderline racist, like your references to "Kumar" that you made on this board just a few weeks ago. What's the point here? As soon as Citi, FNBO or Amex does some small thing that you take to mean they don't value your business sufficiently, we're gonna hear a rage against those firms.
Now you are intrigued by FNBO, but your 2013 blowout wasn't your first beef with them. In Aug 2012 you said FNBO made it to the "top of your sucks list" and they were a "bunch of dolts" and "they couldn't have insulted me more if they tried" and that "FNBO has made my blacklist" because FNBO dared send you in the mail an application for a secured credit card. ... Yet you went back to them in 2013, just to rage close them, and then you got the Dodge card (issued by FNBO, essentially.
What's the point in throwing these hissy fits over imagined slights, then closing cards just to go back to these issuers 6 months later and continually repeating this cycle?
I realize this post is extremely harsh. But takeshi is right to say "you seem to take things too personally."