BearsAndTurtles Updates

For just about anything you want to get off your chest about credit cards.
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popamode72
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BearsAndTurtles Updates

Postby popamode72 » Thu Oct 23, 2014 7:01 am

Whoa.

http://ficoforums.myfico.com/t5/Credit-Cards/Confession/td-p/3559547

He closed cards he didn't need anymore, that's a good thing in itself but like someone said in the thread, so many wasted HPs to get all of those.
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)


Berk
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Postby Berk » Thu Oct 23, 2014 8:04 am

Yep. But he has learned how to be responsible with credit. He could not control his spending so he eliminated it. HPs are mild compared to a BK or continuous debt.
Fico Scores 05/25/2015
Equifax 766
TransUnion 788
Experian 797

Over $140,000 in credit across 12 cards.

popamode72
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Postby popamode72 » Thu Oct 23, 2014 8:11 am

Berk wrote:Yep. But he has learned how to be responsible with credit. He could not control his spending so he eliminated it. HPs are mild compared to a BK or continuous debt.


Very true. I'm glad he's learning at least. I had heard of him a lot on this forum and how much debt his family was in so I thought it would be relevant to mention this.
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)

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PlyrStar93
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Postby PlyrStar93 » Thu Oct 23, 2014 9:25 am

The Bears, Turtles & Co just got Cap1 this month didn't he? That's really a waste of nothing, though he is trying to avoid debt. If he keeps getting into debt because of credit cards, then he should learn the basics about it and keep in mind that credit card is not extra money. Seems like a lot of people take credit cards as money and keep racking up amount owe, how many more out there still don't learn?
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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lobbythis
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Postby lobbythis » Thu Oct 23, 2014 11:46 am

So, two sh*t cards worth nothing.

Can't control yourself from buying too much crap? That's just pathetic.

Enjoy living the broke life forever.

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kcm7
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Postby kcm7 » Thu Oct 23, 2014 11:50 am

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

He starts off by apologizing for doing something that was the actually the best move in his position.
Cards:

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

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otter
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Postby otter » Thu Oct 23, 2014 3:25 pm

At least B&H is starting to learn from his mistakes unlike FMC... but really if he has no self control, he should close them all because at this point in his life, credit cards are not for him.
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

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otter
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Postby otter » Thu Oct 23, 2014 3:28 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.

He starts off by apologizing for doing something that was the actually the best move in his position.


Yeah that was amusing. Whether I open or close cards... I don't think I owe anyone here an apology- I'm the one who has to live with it (for better or worse).
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

OldMan
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OK, I'm now confused.

Postby OldMan » Fri Oct 24, 2014 3:34 pm

B&T has posted how broke the whole clan was, and he only shops at Macy's? Uhm..... I'm thinking that fiscal responsibility still isn't a part of his portfolio. Around most parts Macys is one of the more expensive places to shop.
My Wallet:
Discover IT - $4000;
AMEX BCE $12000;
Citi Double Cash - $6600;
CHASE AARP Visa - $5000;
Banana Republic $1200;
NFM - $20,000;
Sears (Citi) MC - $6000;

notcool
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Postby notcool » Fri Oct 24, 2014 5:00 pm

I think it depends. Macys is more expensive than jcpenney but less expensive than nordstrom. I have also found some very very good prices on clearance stuff at macys. But it is easy to spend a lot of money at that store too!



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