Why not many people come to here

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tanyasf
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Why not many people come to here

Postby tanyasf » Fri May 17, 2013 2:34 am

Why not so many people come to here to talk ? I like this place ,but here is so cold .Almost no body here ......which place you guys go more often :
Myfico.com or Creditboard ???? What else i can meet folks who likes credit cards?Thank you :D


cashback
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Postby cashback » Fri May 17, 2013 7:46 am

Go to fatwallet or flyertalk if you want some good info. If you want to talk about apps, denials, CLI's, and credit score, then here and myfico is the place for you.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

FutureBillionaire
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Postby FutureBillionaire » Fri May 17, 2013 8:14 am

cashback wrote:Go to fatwallet or flyertalk if you want some good info. If you want to talk about apps, denials, CLI's, and credit score, then here and myfico is the place for you.


What he said. Although, I don't like the set up at fatwallet. I haven't been there as often lately.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
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Hotels and other travel: Discover Escape, CSP
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Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Sevenfeet
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Postby Sevenfeet » Fri May 17, 2013 10:55 am

The community here is indeed smaller but I think the information gleaned here is still pretty good. All of the other hangouts have their strengths and weaknesses...a culture as it were.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

MemberSince99
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Postby MemberSince99 » Fri May 17, 2013 12:58 pm

And the nice part of coming here vs MyFICO is, you'll find that every single post does not contain the word "garden" in it. If I had a dollar for every time I've seen "garden" at MyFICO I could retire right now. Those people are just obsessed with that word. I honestly have gotten to the point I find it annoying when they prattle on with "see you in the garden" and "time to garden" and "I'm in the garden" and on and on and on. I'm not in any garden but reading that over and over and over is enough to make me want to find some weeds.

Robrus1
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Postby Robrus1 » Fri May 17, 2013 1:18 pm

MemberSince99 wrote:And the nice part of coming here vs MyFICO is, you'll find that every single post does not contain the word "garden" in it. If I had a dollar for every time I've seen "garden" at MyFICO I could retire right now. Those people are just obsessed with that word. I honestly have gotten to the point I find it annoying when they prattle on with "see you in the garden" and "time to garden" and "I'm in the garden" and on and on and on. I'm not in any garden but reading that over and over and over is enough to make me want to find some weeds.

You crack me up. I haven't ever been there because of all of this "garden" talk I hear about. A credit card is a tool for me to use, and as long as I pay on time that's all I really care about. I don't care about gardening or putting all this weird calculated effort into it. I mean just get some cards you like and enjoy them, you know? Unless they're rebuilding and have terrible credit, it shouldn't be such a big concern.
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Credit Union 10K
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djrez4
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Postby djrez4 » Fri May 17, 2013 1:43 pm

MemberSince99 wrote:And the nice part of coming here vs MyFICO is, you'll find that every single post does not contain the word "garden" in it.


It is a bit overwhelming. On the bright side, it's positive peer pressure.

I've pretty much signed off permanently over there. Any forum where you can't call someone out for being an idiot is no place for me. I enjoy that I don't get a PM from this site owner every time I make a smartassed remark.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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Gamma
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Postby Gamma » Fri May 17, 2013 1:45 pm

djrez4 wrote:It is a bit overwhelming. On the bright side, it's positive peer pressure.

I've pretty much signed off permanently over there. Any forum where you can't call someone out for being an idiot is no place for me. I enjoy that I don't get a PM from this site owner every time I make a smartassed remark.

lol

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MemberSince99
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Postby MemberSince99 » Fri May 17, 2013 1:48 pm

It's just part of the MyFICO culture I think Robrus1.

Another thing that gets me about that site is when members there prattle on about how maximizing your credit card rewards is "abusing" the poor credit card company. I've read repeatedly how when you take advantage of say BofA's 10% categories you sign up for that's abusing BofA. Oh really? So they send me an offer in my email asking me to sign up and use it, and if I do it that's "abuse"? Where the hell do these fanboi freakazoids get off anyway? If they feel that's so abusive and a crime against all humanity, maybe they should contact BofA and ask them not to send out these offers anymore to protect themselves from all that abuse. Geez I mean it's a business trying to attract business and you choosing to accept that, not some human rights issue we are talking about here. That's another one that annoys me.

Now I didn't mean that to sound too aggressive just a personal peeve there. But I really don't feel when I accept their offer, I'm "abusing" them in any way. If they felt it was abuse, they wouldn't send the offer. What's next, I'm "abusing" BofA by not carrying a balance and paying them interest? The fanboi segment is FAR too worried about protecting companies that are perfectly capable of protecting themselves.

The last peeve I have with the posters there is the ones who rail about any inquiries at all being equivalent to flying planes into buildings. Um, really? So tell us then how did you get your cards, were you just born so wonderful that the creditors fell over themselves to hand you cards without any inquiries? Judging by the 15 to 20 cards you have in your signature, I'd guess you've had quite a few inquiries over time, so maybe practice what you preach, in other words don't be too harsh to judge those who might like to have a few of the cards you have in your signature isn't that kind of the point of this instead of never having any inquiries? And yes, I get that too many hurt you but let's face it in 6 months they have little effect and after 1 year no effect on your score, and most creditors do not care about anything after 6 months and only a rare few care at all about anything over a year old as a rule. Until inquiries are not required for cards, we simply will have inquiries. Pick and choose your battles/hits wisely, and don't sweat it like you're gambling your home away on any single inquiry. It's really not THAT huge a deal. You should do research to see who is sensitive and make sure your previous 6 months are good before applying with them, but otherwise, it's not like this is life and death, only to the FICO fanbois. Believe me I have plenty of inquiries, yet I still get cards. If your file/history is good, they aren't nearly the issue some make them out to be, again within reason here.

Giving the folks at FICO their due, they are quite knowledgable about credit and the companies in this area. I learn a lot by reading their posts. I'd just say in some ways they are fanatical, and usually about things that aren't as vital as they imagine them to be. But they are a great source of information and I've personally learned a lot reading their posts. I just roll my eyes when I see "garden" in every post!

cashback
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Postby cashback » Fri May 17, 2013 1:53 pm

Also why I don't really like this site and MyFico is the 4932857429350 threads about CLI's and app approvals. Idk why they can't just make one sticky where people can post about CLI's and another for apps.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



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