Garden Cult Meeting - November 2014

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Nov 07, 2014 8:57 pm

Could anyone direct me to the posts that have gotten them banned or temporarily suspended?

I don't have the patience to read through 30 pages of '+1' type comments, but I am curious.

Or have the offending posts been removed or severely edited by the moderators on myfico?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


Nixon
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Postby Nixon » Fri Nov 07, 2014 9:07 pm

CarefulBuilder14 wrote:Could anyone direct me to the posts that have gotten them banned or temporarily suspended?

I don't have the patience to read through 30 pages of '+1' type comments, but I am curious.

Or have the offending posts been removed or severely edited by the moderators on myfico?


For me, perse, It wasn't a specific post that almost got me permabanned. It was the fact that I used a sapphire spade "inappropriately" It wasn't the first time I had been asked to change my signature. (My first sig mocked the FSR rule. :D )
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Cre
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Postby Cre » Fri Nov 07, 2014 9:16 pm

I think I still am a gardener after all.

I have no idea what my FICO is.

And I don't care to know. (That is a good gardener trait, isn't it?)

Here's why I don't care to know:

1. The three credit bureaus withhold this score when asked to provide a free credit report, which the FCRA (Fair Credit Reporting Act... that one I already knew) requires these bureaus to provide to consumers upon request at no charge annually. Equifax, Experian, and TransUnion have set up this b*llsh*t scheme where they will send you a credit report, but charge you for your score. In fact, all three credit reporting bureaus make it so difficult and tricky to get a credit report without paying them something for it, it boils my blood. What kind of sick and twisted minds dream up the maze of schemes these bureaus have created to SKIRT FEDERAL LAW for another buck?

They can go stuff themselves, as far as I'm concerned. I've sent all three bureaus CERTIFIED MAIL requesting the credit reports that we are entitled to under the law. I had two entitlements in the instance of this case. One, I hadn't made such a request in years. Decades. And two, someone had stolen my physical Chase credit card (no charges were made, I called immediately)... and I had filed the appropriate alert report with the credit bureaus, which entitled me to a report within that 90 day period. I tried to get the request done online, but no matter what, was redirected to have to pay for it. I tried calling, but no matter where I went in their phone tree, I had to pay for it. So I sent a certified letter to all three bureaus, and only ONE sent me a report. The other two ignored my CERTIFIED MAIL request. Even for just a report (I did not request a score), as per the FCRA requirements. Nothing.

So they can keep their ruse of a money grabbing FICO score scheme to themselves. I'll never pay a single solitary dime to know what it is.

2. The second reason why I don't care what my FICO score is... is because I have no control over it. Or at least, so I thought for many years. I don't create the score. I don't use the score. I can't control the score. So what care I about the score? That's for creditors and card issuers and banks to pay for and fret about.

The only thing I can personally control is MY behavior. The only behavior that I can actually do as far as credit is concerned is pay my bills on time. That's it. What else can I really personally do? What other power do I have over that mythically created score that they want me to pay for? Just make sure that whatever promises I make, I keep. Whatever obligations I incur, I satisfy per what I agreed to. I have no other control to manipulate the score that I have no use for.

Or at least... so I thought. Reading these forums gives me some pause in my previous assumptions. It appears that there are other behaviors I can do... such as having more open lines of credit... that fall within their (whoever "they" are) statistical models that would make them "perceive" me to be more credit worthy. Ok, so I'll learn this game, with the help of many posters here.

But at the end of the day, I still think about a rancher I once worked for. He purchased 200 acres of grazing land on a handshake. That's it. No written contract. Just the bond of his word, a look in the eye, and a handshake. The terms were 30 years, and he paid it off in 10. I'm glad I met that rancher in high school, because I've abided by his philosophy ever since. That maybe why I got stuck in the "garden" so many years, and didn't even realize it.
Current Cards:
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Future Strategy:
Near Term: Need a good MasterCard for places that won't accept AmEx or Visa
Long Term: Will downsize out of one or both current AmEx cards to reduce AFs

Nixon
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Postby Nixon » Fri Nov 07, 2014 9:27 pm

Cre wrote:I think I still am a gardener after all.

I have no idea what my FICO is.

And I don't care to know. (That is a good gardener trait, isn't it?)

Here's why I don't care to know:

1. The three credit bureaus withhold this score when asked to provide a free credit report, which the FCRA (Fair Credit Reporting Act... that one I already knew) requires these bureaus to provide to consumers upon request at no charge annually. Equifax, Experian, and TransUnion have set up this b*llsh*t scheme where they will send you a credit report, but charge you for your score. In fact, all three credit reporting bureaus make it so difficult and tricky to get a credit report without paying them something for it, it boils my blood. What kind of sick and twisted minds dream up the maze of schemes these bureaus have created to SKIRT FEDERAL LAW for another buck?

They can go stuff themselves, as far as I'm concerned. I've sent all three bureaus CERTIFIED MAIL requesting the credit reports that we are entitled to under the law. I had two entitlements in the instance of this case. One, I hadn't made such a request in years. Decades. And two, someone had stolen my physical Chase credit card (no charges were made, I called immediately)... and I had filed the appropriate alert report with the credit bureaus, which entitled me to a report within that 90 day period. I tried to get the request done online, but no matter what, was redirected to have to pay for it. I tried calling, but no matter where I went in their phone tree, I had to pay for it. So I sent a certified letter to all three bureaus, and only ONE sent me a report. The other two ignored my CERTIFIED MAIL request. Even for just a report (I did not request a score), as per the FCRA requirements. Nothing.

So they can keep their ruse of a money grabbing FICO score scheme to themselves. I'll never pay a single solitary dime to know what it is.

2. The second reason why I don't care what my FICO score is... is because I have no control over it. Or at least, so I thought for many years. I don't create the score. I don't use the score. I can't control the score. So what care I about the score? That's for creditors and card issuers and banks to pay for and fret about.

The only thing I can personally control is MY behavior. The only behavior that I can actually do as far as credit is concerned is pay my bills on time. That's it. What else can I really personally do? What other power do I have over that mythically created score that they want me to pay for? Just make sure that whatever promises I make, I keep. Whatever obligations I incur, I satisfy per what I agreed to. I have no other control to manipulate the score that I have no use for.

Or at least... so I thought. Reading these forums gives me some pause in my previous assumptions. It appears that there are other behaviors I can do... such as having more open lines of credit... that fall within their (whoever "they" are) statistical models that would make them "perceive" me to be more credit worthy. Ok, so I'll learn this game, with the help of many posters here.

But at the end of the day, I still think about a rancher I once worked for. He purchased 200 acres of grazing land on a handshake. That's it. The terms were 30 years, and he paid it off in 10. I'm glad I met that rancher in high school, because I've abided by his philosophy ever since. That maybe why I got stuck in the "garden" so many years, and didn't even realize it.


You deserve a double diamond spade. :)
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otter
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Postby otter » Fri Nov 07, 2014 11:01 pm

CarefulBuilder14 wrote:Could anyone direct me to the posts that have gotten them banned or temporarily suspended?

I don't have the patience to read through 30 pages of '+1' type comments, but I am curious.

Or have the offending posts been removed or severely edited by the moderators on myfico?


Here's some of the last ones:

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Approved-Sallie-Mae-World-Mastercard/td-p/2778725/page/3

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-s-CLD-IDIOTS/td-p/2777755/page/9

http://ficoforums.myfico.com/t5/Credit-Cards/First-Progress-or-OpenSky/m-p/2764187#M789007

And here's this one for the heck of it...
http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-join-the-gardening-cult/m-p/2985662/highlight/true#M846295
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

Nixon
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Postby Nixon » Fri Nov 07, 2014 11:15 pm

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Nov 07, 2014 11:45 pm

I agree that the moderators were unfair in punishing you in particular in those cases. Some of the people you were talking with were equally culpable.

I like this forum's more relaxed rules. I might have been banned there for some of things I've said here.

I can understand that they'd request someone change their avatar, though. I'm using an avatar 'below my rank' but I can see how they have meaning to people who are trying to garden.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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PlyrStar93
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Postby PlyrStar93 » Fri Nov 07, 2014 11:56 pm

CarefulBuilder14 wrote:I might have been banned there for some of things I've said here.

I would imagine if some guys here who haven't joined mf yet now register there and get banned instantly. The mods here are probably monitoring here and whatever we talked about the cult - they may have already tagged some of us.
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.

Nixon
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Postby Nixon » Sat Nov 08, 2014 12:06 am

PlyrStar93 wrote:I would imagine if some guys here who haven't joined mf yet now register there and get banned instantly. The mods here are probably monitoring here and whatever we talked about the cult - they may have already tagged some of us.


When I was reinstated, I made it known that I would be keeping "the best of me" to the less SRS boards.
One thing about MF is the sheer amount of posts to respond to and unique situations. But there IS a lot of opinionated posting that has to be sifted through to get to the bottom of things.

I find CCF to be better for fast, accurate information. Like an objective (neutral) card review.
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lobbythis
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Postby lobbythis » Sat Nov 08, 2014 12:13 am

Nixon wrote:I find CCF to be better for fast, accurate information. Like an objective (neutral) card review.


The main problem is that most people over there have no business even using credit cards. Broke people telling stories to each other around the camp fire, watching their credit scores burn.



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