BearsAndTurtles Updates

For just about anything you want to get off your chest about credit cards.
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Vattené
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Postby Vattené » Fri Oct 24, 2014 5:23 pm

I would consider Macy's pretty middle-of-the-road. It certainly isn't upscale, but it has some respectable brands. I have gotten incredible deals from them, but I would absolutely avoid them if I was in even the slightest money trouble. I wouldn't set foot in a JCPenney or Kohl's if my budget was tight. I can see going there for a deal if you must have some clothes (like replace a pair of dress shoes or something), but the vast majority of trips to Macy's are far from necessary.

Still, good on him for realizing some of his money management issues and addressing them.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now


whit
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Location: ca

Postby whit » Fri Oct 24, 2014 6:15 pm

I would shop at forever21 before I shop at macys..it's been ages since I've stepped foot into one and the last time was to accompany a friend to the Mac department..which is also available at Bloomingdales, nordstroms, etc...and the funny thing is I don't go to Bloomingdales even, except when they have their f&f and I stock up on hosiery and work flats since all the other good stuff (not that there's much) is excluded anyways

Durand wouldn't get mad..his rotation of bags includes hermes (I'm only lucky enough to rock the bracelets), Louis Vuitton and Gucci..all of which isn't carried by macys anyways even though he's head of the men's section..and they aren't always the same style..sometimes it's a 40B in red..other times it's in black..

The thing is, you can get better quality and/or more cute stuff..online asos, forever21, etc..or in person, then stuff that macys carries (jLo no thanks..)

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kcm7
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Postby kcm7 » Fri Oct 24, 2014 11:42 pm

Man, I love how the MyFico folks are our reality TV. Some people like the Honey Boo Boo family. Others prefer the Duggars. We've got the B&T clan.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

SteveT
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Location: California

Postby SteveT » Mon Nov 03, 2014 12:56 pm

I think in the long run he did the right thing. He recognized that he could have run up his debt with these cards and took action. I was to stupid to do that at his age.

His scores will go up as his current debt goes down

Nixon
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Location: Great Southwest

Postby Nixon » Mon Nov 03, 2014 3:58 pm

kcm7 wrote:Glad to see he's taking the right steps, but the "please don't hit me" tone of his post just cracks me up.


I liked that! Lol.
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otter
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Location: Grand Forks, ND

Postby otter » Mon Nov 03, 2014 9:22 pm

I liked thelethargicage's response:

I thought you included those cards in your family's group bankruptcy.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

TheLethargicAge
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Postby TheLethargicAge » Thu Nov 06, 2014 5:41 pm

otter wrote:I liked thelethargicage's response:

I thought you included those cards in your family's group bankruptcy.


I bring up his "group" BK whenever I can. He always avoids answering, though. I'm amazed most people on there still haven't figured out he's a troll.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

popamode72
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Postby popamode72 » Thu Nov 06, 2014 9:18 pm

TheLethargicAge wrote:I bring up his "group" BK whenever I can. He always avoids answering, though. I'm amazed most people on there still haven't figured out he's a troll.


I wouldn't be surprised. There's no way anyone could seriously apply for every card on the market like the way he did.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

Nixon
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Location: Great Southwest

Postby Nixon » Thu Nov 06, 2014 9:41 pm

popamode72 wrote:I wouldn't be surprised. There's no way anyone could seriously apply for every card on the market like the way he did.


Seriously?

How many INQ's?
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PlyrStar93
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Postby PlyrStar93 » Thu Nov 06, 2014 11:09 pm

Nixon wrote:Seriously?

How many INQ's?

As of 9/4/2014, Bears Turtles & Co had 19 on Equifax, 21 on TransUnion and 30 on Experian, according to his signature.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.



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