The temptation to correct people

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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Re: The temptation to correct people

Postby MemberSince99 » Sat Jun 27, 2015 6:19 pm

I'd keep my mouth shut and stay out of it, if it's a stranger.

It's like trying to jump into a family feud and pick sides - they will ALL turn against you for it, and you gain nothing and just get a headache for your trouble. Life really is too short for that.


Nixon
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Re: The temptation to correct people

Postby Nixon » Sat Jun 27, 2015 7:54 pm

MemberSince99 wrote:I'd keep my mouth shut and stay out of it, if it's a stranger.

It's like trying to jump into a family feud and pick sides - they will ALL turn against you for it, and you gain nothing and just get a headache for your trouble. Life really is too short for that.


I've noticed that people that aren't trying to sell you something instantly turn bitter when you mention you have good credit.
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whit
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Re: The temptation to correct people

Postby whit » Sat Jun 27, 2015 9:00 pm

Nixon wrote:
MemberSince99 wrote:I'd keep my mouth shut and stay out of it, if it's a stranger.

It's like trying to jump into a family feud and pick sides - they will ALL turn against you for it, and you gain nothing and just get a headache for your trouble. Life really is too short for that.


I've noticed that people that aren't trying to sell you something instantly turn bitter when you mention you have good credit.


Huh..how does that come up in a conversation anyways of "I have good credit"

I notice that those who have "good" credit still would carry balances and actually are approved for the opening of new cards to BT based on their credit.

I also see folks who will automatically think they're going to get approved because they have excellent credit and than womp womp womp.

Credit is great but its only a piece of the pie

Nixon
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Re: The temptation to correct people

Postby Nixon » Sat Jun 27, 2015 10:49 pm

whit wrote:
Nixon wrote:
MemberSince99 wrote:I'd keep my mouth shut and stay out of it, if it's a stranger.

It's like trying to jump into a family feud and pick sides - they will ALL turn against you for it, and you gain nothing and just get a headache for your trouble. Life really is too short for that.


I've noticed that people that aren't trying to sell you something instantly turn bitter when you mention you have good credit.


Huh..how does that come up in a conversation anyways of "I have good credit"

I notice that those who have "good" credit still would carry balances and actually are approved for the opening of new cards to BT based on their credit.

I also see folks who will automatically think they're going to get approved because they have excellent credit and than womp womp womp.

Credit is great but its only a piece of the pie



Like....when they ask about your new car and balk at how low your payment is. Terms such as 0% come up and....yeah. Or when they notice your metal/amex gold etc.....

I work out in the country where good credit mostly aint.
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Gamma
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Re: The temptation to correct people

Postby Gamma » Sat Jun 27, 2015 11:11 pm

This thread is entertaining. I work as security in a Bank of America branch and one time during lunch, I overheard a personal banker telling a teller how she refuses to use her reward credit cards because she would always overspend money that she don't have. She prefers to use cash to know exactly how much she has. About a week later, she tries to get me to sign up for the cash rewards card and I basically told her the same thing she told the teller (obviously I don't use cash) and she went on to tell me it's easy to keep track of spending by going online. I wanted to tell her the same thing but I figured she'd say anything to try to reach her quota.
Last edited by Gamma on Sat Jun 27, 2015 11:12 pm, edited 1 time in total.

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CarefulBuilder14
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Re: The temptation to correct people

Postby CarefulBuilder14 » Sat Jun 27, 2015 11:11 pm

Doesn't 0% financing on a car pretty much always mean an inflated sticker price? Or the term 0% comes up on CCs only?

I think the Midwest is supposed to have the best FICOs.
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Nixon
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Re: The temptation to correct people

Postby Nixon » Sun Jun 28, 2015 7:40 am

CarefulBuilder14 wrote:Doesn't 0% financing on a car pretty much always mean an inflated sticker price? Or the term 0% comes up on CCs only?

I think the Midwest is supposed to have the best FICOs.


Not if buying a year model closeout. :)
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MemberSince99
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Re: The temptation to correct people

Postby MemberSince99 » Sun Jun 28, 2015 7:49 am

Gamma wrote:This thread is entertaining. I work as security in a Bank of America branch and one time during lunch, I overheard a personal banker telling a teller how she refuses to use her reward credit cards because she would always overspend money that she don't have. She prefers to use cash to know exactly how much she has. About a week later, she tries to get me to sign up for the cash rewards card and I basically told her the same thing she told the teller (obviously I don't use cash) and she went on to tell me it's easy to keep track of spending by going online. I wanted to tell her the same thing but I figured she'd say anything to try to reach her quota.



Now that is funny.

whit
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Re: The temptation to correct people

Postby whit » Sun Jun 28, 2015 5:21 pm

Nixon wrote:I'd keep my mouth shut and stay out of it, if it's a stranger.

It's like trying to jump into a family feud and pick sides - they will ALL turn against you for it, and you gain nothing and just get a headache for your trouble. Life really is too short for that.



Like....when they ask about your new car and balk at how low your payment is. Terms such as 0% come up and....yeah. Or when they notice your metal/amex gold etc.....

I work out in the country where good credit mostly aint.[/quote][/quote]

I usually try to nip stuff in the bud whenever I can. I don't believe in hiding my purchases because I work hard for it however, whenever someone tries to engage in convo with me about xyz I just smile and shift the focus back on them by asking them questions that are flattering and getting themselves to talk about themselves

It's like asking a business owner about their business or parent about their baby (:

whit
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Re: The temptation to correct people

Postby whit » Sun Jun 28, 2015 5:24 pm

Gamma wrote:This thread is entertaining. I work as security in a Bank of America branch and one time during lunch, I overheard a personal banker telling a teller how she refuses to use her reward credit cards because she would always overspend money that she don't have. She prefers to use cash to know exactly how much she has. About a week later, she tries to get me to sign up for the cash rewards card and I basically told her the same thing she told the teller (obviously I don't use cash) and she went on to tell me it's easy to keep track of spending by going online. I wanted to tell her the same thing but I figured she'd say anything to try to reach her quota.


Bankers on that level is basically a used sales car monkey as in a monkey can do their jobs

Unless they're bringing value into the conversation

But I don't blame them, I blame the folks up top breathing down on the boss of her boss.

however, Bank of America forgets that them having the largest footprint of branches allowed them to have a lio share of retail accounts that depend on having the ability to send their workers down the street to make deposit and do change orders.

They don't need to churn out so much instant products as they do building and retaining their current relations



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