Humorous (tongue in cheek) translation of terms

For just about anything you want to get off your chest about credit cards.
9 posts
MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Humorous (tongue in cheek) translation of terms

Postby MemberSince99 » Sat May 18, 2013 10:14 am

This is MyFICO style or a translation of the common terms you see them use and how the most fanatical there interpret them. For your amusement!

Garden = the meaning of life. Better than ***. Practical meaning - not applying for anything

Inquiry = crime against all humanity worse than the Black Death. Get a pocketful of cards, but never ever do this. Even one is a massive red flag to creditors

Taking advantage of rewards program = abusing the poor credit card companies. You CCC abuser you!

Utilization = something you want to be 1%. 10% is just massive and will probably result in your creditors closing your account and maybe calling you a name and is also a HUGE red flag and very high.

Entitlement attitude = feeling that maybe it might be time for the CCC to consider giving you a small limit increase after 6 months to a year of heavy use and perfect in full payments

Amex F/R = the worst thing that can happen. Being diagnosed with cancer, losing your job and your spouse, and having your house burn down in the same week could not possibly be worse than this

Unethical behavior = anything that results in the CCCs not squeezing every possible dime out of you - you do owe them a living after all

Again this list is meant in fun, though there is a lot of truth in it if you read their posts. Feel free to add your own!


MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat May 18, 2013 12:39 pm

A couple more that come to mind:

Amex = Peace. Love. God. What you would give your first born to get, even if you love your first born.

Closing a card = the most stupid thing you can ever do, dumber than jumping out of a plane in the sky without a parachute. Even if you'll never use it again in your life.

Mini app-spree = applying for 10 or more cards at once

Drapping = drunk app'ing. Apparently the way most of them get their cards, so they can deal with the agony of taking an inquiry which will scar them for life

User avatar
djrez4
Centurion Member
Centurion Member
 
Posts: 1468
Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Sat May 18, 2013 3:26 pm

MemberSince99 wrote:Drapping = drunk app'ing. Apparently the way most of them get their cards, so they can deal with the agony of taking an inquiry which will scar them for life


Like how young members of certain religious groups do it in the pooper because pre-marital *** is frowned-upon. If you can't get preggers, it doesn't count.

Oh come on...humping is censored?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat May 18, 2013 4:06 pm

Yes it is censored for some reason.

paparoach429
Centurion Member
Centurion Member
 
Posts: 331
Joined: Tue Sep 11, 2012 12:21 am
Location: chicago

Postby paparoach429 » Sat May 18, 2013 11:59 pm

Haha I didn't know there was a term for applying for credit when your drunk. I did this for both my Amex and both of my Chase's. I was unsure about applying for them but after a few drinks I had my mind made up, and Im glad I took that route. ;)

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun May 19, 2013 6:33 am

Liquid courage! :) Yeah seriously that is what that means on there if you see the term "drapp" or "drapping"

Gamma
Centurion Member
Centurion Member
 
Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Sun May 19, 2013 8:26 am

MemberSince99 wrote:
Amex F/R = the worst thing that can happen. Being diagnosed with cancer, losing your job and your spouse, and having your house burn down in the same week could not possibly be worse than this


I never understood why most people in MyFico always seem to make a huge deal about Amex FR. They seem to make alot of topics about that. I mean, unless you lied in the application, you have nothing to worry about. If you did lie, then you deserve what's coming to you.

Side note, I like your, or rather MyFico's, definition of Amex FR lol.

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun May 19, 2013 11:07 am

From what I've heard, F/R more often than not results in a hard limit for a while on your NPSL cards even if you told them the truth. After a year from what I've read they may lift it.

A few get no AA taken but most accounts I've read say you do get a hard limit for a while.

And of course while the F/R is underway your cards are frozen. Which is why it's a REALLY bad idea to leave the country with only an Amex card - you could end up stranded. Honestly I would say always take a backup no matter who your company is, but if it's only Amex you are really rolling the dice.

jrv
Platinum Member
Platinum Member
 
Posts: 72
Joined: Thu Dec 20, 2012 1:42 am
Location: NJ

Postby jrv » Sun May 19, 2013 2:48 pm

Humorous (tongue in cheek) translation of terms

Amex = Peace. Love. God. What you would give your first born to get, even if you love your first born.

Hilarious but on the money!
Main:
AMEX Platinum NPSL, Member Since 92
AMEX Blue 15K
PenFed 11K
PNC Visa 20K
First National Bank Omaha Platinum Visa 25K
Citi Simplicity 11K
Drawer:
50K Total



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests