This is an example of why it'/s good to question everything you read on these forums

For just about anything you want to get off your chest about credit cards.
17 posts
Mrm-na
Gold Member
Gold Member
 
Posts: 34
Joined: Thu Sep 19, 2013 7:53 am
Location: California, US

Postby Mrm-na » Mon Dec 30, 2013 11:03 pm

There's some people over there that I've noticed seem to feel obligated to respond to every post. If they don't have anything useful to say, then they just post a bunch of cliches, or if somebody has already done that, then they quote it and say "+1".
Credit is a marathon, not a race. Lenders look at everyone differently. Bank likes people who carry a balance. But they also like people who don't and PIF. They like usage. They don't like you opening new accounts. But they don't really care about that either. Lending decisions are random, but your mileage may vary.

+1

I sometimes wonder if people like that are doing it absent mindedly, or if it's a deliberate attempt to stay at the center of attention.
It's especially odd when they feel compelled to answer a question while acting like they didn't want to answer it. They sometimes get huffy about the forum search or Google, but they always had the option to just ignore it. I can understand some minor annoyance when somebody posts it as the subject of a new thread, but when it comes up halfway down the page, without any sense of seriousness or demand behind it, then I just consider it an ignorable comment and part of the natural flow of a casual conversation.

daniel2304 wrote:3/ How many other people agreed with their response? The more the better.

I don't put much weight on that personally. That will tell you what the dogma of a particular forum has encouraged everyone to agree with, but that isn't necessarily the best answer. Just the one that's easiest to defend within that crowd of people. Take the popularity of "gardening" advice on myFICO for example.

This is probably a severe example, but popular responses can go really bad on automotive discussion forums. When it comes to car repair, most people are hacks and just guess. The occasional person will suggest a process of diagnosis, but half the time even the OP doesn't want to bother, they just start buying parts based on the most popular guesses. If they get lucky, the guessers pat themselves on the back for their ingenuity. :rolleyes:

==
The worst fallacy I see people fall into (you didn't list this, but some people do it) is appeal to authority. Somebody who can discuss a subject in detail has more credibility than somebody who points at plaques and job titles. If somebody really knows the subject, they don't need credentials to make their argument.

Of course, many times people with credentials really are knowledgeable about certain things. But then there's a tendency to overbroaden their relevance. The most frustrating example I remember was an encounter I had with somebody who thought a carbureted NASCAR engine builder was an authority on modern passenger car ECM/sensor controls. Hey, he worked with race cars, so he knows everything right?


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

Postby MemberSince99 » Mon Dec 30, 2013 11:33 pm

My version of car repair when the vehicle strands me is I pop the hood. Then I stare at the engine block, hoping that the answer to my trouble with magically appear in my mind. When that fails I glance at the battery and the air cleaner, and that pretty much exhausts my knowledge so if someone doesn't happen along who knows what they are doing, I guess I'm all out of luck!


And as far as directions being a man I can't stop and ask someone that's a sign of weakness. It's better to drive around for 2 hours hoping to stumble upon the place, besides it's probably right over there on the next block anyway.

TheLethargicAge
Centurion Member
Centurion Member
 
Posts: 322
Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Tue Dec 31, 2013 10:43 am

The constant praising of BCE, CSP, NFCU and the Duck Dynasty card or whatever it is--one major turn-off (to me at least) was their obsession with certain cards/issuers

My signature over there is "Thou shalt not app in vain". Amazingly no one seems to have noticed the sarcasm yet.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

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

Postby MemberSince99 » Tue Dec 31, 2013 11:33 am

They aren't big into sarcasm. Maybe it should be "Thou shalt not app". I mean heaven forbid they actually get a card they really want, it's all about being in the garden. I was reading more of the posts where they are frantically insisting people not apply for credit cards. Then why the hell even have the forum in the first place? If MyFICO so religiously believes people shouldn't apply for credit cards, maybe they should stop with that popup that drops down and you have to click to close, urging you to apply for a card. It's very annoying, almost as bad as reading some of the ramblings of the garden fanatics.


I have the Duck Dynasty card. They do give you a nice starting limit and decent rewards. But the lender they are in love with is Amex of course. That is a company that can do no wrong. FR me? Sure I'll give you my tax documents. Strip search? Oh hey I might enjoy that! Waterboarding? Do we have to....ok whatever you say.


I just try to filter out the junk to get to the nuggets of good info. Some of them like "should I apply for a card" or "should I close a card" there isn't much point to reading - you KNOW exactly what they will say before they even start.


I guess what gets me the most is when people let others think for them. Those people really do not know if you will be approved for X card, none of us can accurately guess that (and if we could, we should be able to hit the winning lottery numbers). If you want the card, APPLY it's the ONLY 100% certain way to find out if you would be approved. If they decline you the inquiry falls off fairly quickly and you can learn what you have to do to get approved. What is so hard about that? Is it worth waiting your life away for a stupid bronze spade on your signature on that forum?


Ok. sorry rant over! Time to shut up and peace out....

daniel2304
Centurion Member
Centurion Member
 
Posts: 198
Joined: Tue Dec 03, 2013 1:53 pm
Location: Dallas

Postby daniel2304 » Tue Dec 31, 2013 12:23 pm

I think each forum has its own direction and community that share mutual interest. My FICO (although their motto doesn't fit me) may be well-fitted for someone who is new to credit cards concept or not very good at financial management. Id rather have more people stay in the garden than people file bankruptcy.

We're all adults after all. We should be able to know which info help us the most. Not every advice can fully address our matter. Only we know our situation the best.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.

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

Postby djrez4 » Tue Dec 31, 2013 4:21 pm

daniel2304 wrote:We're all adults after all. We should be able to know which info help us the most. Not every advice can fully address our matter. Only we know our situation the best.


Quit it with the sensibility, already. This is a FICO-bashing thread.
[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 » Tue Dec 31, 2013 4:32 pm

djrez4 wrote:Quit it with the sensibility, already. This is a FICO-bashing thread.




How's the gardening going? I'm guessing with your recent apps, your current icon in your signature should be a seedling :D



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests