- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
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!