December 2014 Garden Cult/Club

For just about anything you want to get off your chest about credit cards.
70 posts
whit
Centurion Member
Centurion Member
 
Posts: 508
Joined: Tue Aug 13, 2013 10:04 pm
Location: ca

Postby whit » Sat Dec 27, 2014 3:51 pm

popamode72 wrote:Toy limit, junk card hell. I actually feel kinda bad for that person. I actually remember when I had crap like that in my portfolio, like 300 dollar limit Target and Old Navy cards and even a Fingerhut account at one point. I was so happy to ditch all of those things and move on.

And I think this is by far one of the saddest things I've ever read over at that website. Unbelievable.

http://ficoforums.myfico.com/t5/Credit-Cards/Merry-Christmas-to-me-too/td-p/3705605


I kid you not, probably isn't a troll..or maybe, but situations like that def happen irl more often than not

Not only having guys tell me, I guess because it's impressive, that they have sales associates from boutiques that carry jil sander, going up to his nyc loft, to drop off a bunch of clothes and he sends back whatever he doesn't want because mommy dearest gives him 20k a month to spend (this was a few years ago, during college era)

I personally met a woman, mid thirties? She's a business owner, more like doing own business funded by daddy, same daddy whom I met up with who ended up paying off 30k in cc, after she plunked down 15k from her business account to pay off one of the 3 cards..she was asking me how she could go over her CL f 7.5k by more than double, well..looking into her history she had a 13k charge for cosmetic, which I naively enough asked, if she could maybe..I don't know..return whatever that charge was?

I don't think there's anything I could have done for her financial outlook if it wasn't for the fact that her father has $$$ and she would probably get a bulk of it when he passes


JNK
Platinum Member
Platinum Member
 
Posts: 93
Joined: Wed Aug 17, 2011 10:53 pm
Location: USA

Postby JNK » Tue Dec 30, 2014 4:45 am

... Since when did the Garden Club move here and should I be concerned?

*eyes MyFICO and eyes this forum*
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Tue Dec 30, 2014 1:13 pm

Let's just say I'm gonna be much more careful next time with what I ask there. You never know when the hecklers are gonna come out of the woodwork. I can understand now where they were coming from and don't mind people disagreeing with me but I still felt like that comment was pretty rude in the way it was said.

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-Not-Reporting/td-p/3711842
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)

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Tue Dec 30, 2014 1:21 pm

whit wrote:I kid you not, probably isn't a troll..or maybe, but situations like that def happen irl more often than not

Not only having guys tell me, I guess because it's impressive, that they have sales associates from boutiques that carry jil sander, going up to his nyc loft, to drop off a bunch of clothes and he sends back whatever he doesn't want because mommy dearest gives him 20k a month to spend (this was a few years ago, during college era)

I personally met a woman, mid thirties? She's a business owner, more like doing own business funded by daddy, same daddy whom I met up with who ended up paying off 30k in cc, after she plunked down 15k from her business account to pay off one of the 3 cards..she was asking me how she could go over her CL f 7.5k by more than double, well..looking into her history she had a 13k charge for cosmetic, which I naively enough asked, if she could maybe..I don't know..return whatever that charge was?

I don't think there's anything I could have done for her financial outlook if it wasn't for the fact that her father has $$$ and she would probably get a bulk of it when he passes


That's actually very plausible. I've heard a lot about those kinds of self entitled people and trust fund babies before. I wouldn't be surprised if I had at least one real life encounter with someone like that who splurges money constantly.
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
Centurion Member
Centurion Member
 
Posts: 1071
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Postby Nixon » Wed Dec 31, 2014 1:18 am

popamode72 wrote:Let's just say I'm gonna be much more careful next time with what I ask there. You never know when the hecklers are gonna come out of the woodwork. I can understand now where they were coming from and don't mind people disagreeing with me but I still felt like that comment was pretty rude in the way it was said.

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-Not-Reporting/td-p/3711842


I really, really dislike that KDM kid. Every post turns into MS and how it's wrong, and how people who accept rewards should be charged with multiple felonies.
Image

jeffysdad01
Platinum Member
Platinum Member
 
Posts: 64
Joined: Sat Nov 01, 2014 5:49 pm
Location: Texas

Postby jeffysdad01 » Wed Dec 31, 2014 5:56 am

B&T has rich kinfolk?


popamode72 wrote:That's actually very plausible. I've heard a lot about those kinds of self entitled people and trust fund babies before. I wouldn't be surprised if I had at least one real life encounter with someone like that who splurges money constantly.

Nixon
Centurion Member
Centurion Member
 
Posts: 1071
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Postby Nixon » Wed Dec 31, 2014 9:13 am

jeffysdad01 wrote:B&T has rich kinfolk?


B&T......I can't even begin to say how much this one bothers me as well. "I'm using my debit card so I can pay down my credit card(s)" -- It's called paying more than you spend.
Image

User avatar
lobbythis
Centurion Member
Centurion Member
 
Posts: 616
Joined: Sun Sep 07, 2014 8:53 pm
Location: usa

Postby lobbythis » Wed Dec 31, 2014 1:35 pm

My goal is to get the Centurion and Palladium and retire. Just live off the cards until I die and never pay them back.

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Wed Dec 31, 2014 2:08 pm

If I get at least one 10K limit card in 2015, that will be one of the best things that could ever happen to me and my credit. I'm gonna aim high with my BoA card when I go for a CLI on it.
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)

User avatar
lobbythis
Centurion Member
Centurion Member
 
Posts: 616
Joined: Sun Sep 07, 2014 8:53 pm
Location: usa

Postby lobbythis » Wed Dec 31, 2014 2:30 pm

popamode72 wrote:If I get at least one 10K limit card in 2015, that will be one of the best things that could ever happen to me and my credit. I'm gonna aim high with my BoA card when I go for a CLI on it.


I see claims of a 60 day CLI with BOA, but failed when I tried. I have banked with them for years so I figured I'd try the travel rewards card they have. I never called recon or EO which some people may be doing. Just don't care since it's just BOA.



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 0 guests