I just received my Cash+ after calling any applying last week . There are no US Banks anywhere near here.
MemberSince99 wrote:I think a lot of people on here are obsessed with the whole playing the game thing.
Seems like it shouldn't be surprising given the nature of this site. People that aren't enthusiasts generally don't visit discussion forum sites.
MemberSince99 wrote:I think it's also a myth you need credit cards to get a score over 800. My mom has no credit cards whatsoever yet has a score over 800 (and she has no desire to have a credit card). She does however have a mortgage and I think that's what put her over the 800. My boss until recently had only one card, a Freedom, yet also has a score over 800 (and he has a mortgage as well).
So some people think to get over 800 you need a pocketful of cards or at least 2 or 3 not so. FICO tells you that you need "2 or 3" for best scoring, and I'm sure that's true, but you can still have a fantastic score with 1 card or none at all.
A lot of people on credit sites are rebuilding and are looking to do what they can to improve their scores and odds for approvals, CLI's, etc. It doesn't seem surprising to me that those that are willing to go to such lengths take the various actions to improve their credit to the best of their abilities. The lengths that one is willing to go to in order to achieve something can vary from person to person.