FICO idiots just drive me nuts

For just about anything you want to get off your chest about credit cards.
Nucstorm
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Location: Maryland

Postby Nucstorm » Wed Jan 29, 2014 8:06 am

I am actually thinking of getting an AMEX card as soon as I can. I just recently started getting credit in December with getting a CapOne, Discover IT and Freedom. I'm definitely going to be waiting until June to try for AMEX. It's funny that if I was to go over to FICO, they would be telling me to apping for more cards for credit! They don't care, it's not their credit report getting dinged!


takeshi
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Postby takeshi » Wed Jan 29, 2014 8:32 am

MemberSince99 wrote:When people give those who are new to credit bad advice, yes it bothers me

Regardless, the only control you have is what you choose to read and how you respond to it. If it drives you nuts then you're driving yourself to nuts.

hematino
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Postby hematino » Wed Jan 29, 2014 11:31 am

MemberSince99 wrote:I'd also like to run the Garden Club. Come and join us and be one with us otter. Come to Jesus!


It's your destiny, ready your trowels!
Heaven forbid anyone add some new cards to the mix, or make some money off these banks in the form of rewards.

Unless of course theyre drapping (drunk apping), wrapping (apping at work), crapping (apping in the car), or suffering any other temporary lapse of reason. Then and only then is it okay.
Now she's eyeless.
The snakes she held once
Eat up her hands.

MemberSince99
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Location: WI

Postby MemberSince99 » Wed Jan 29, 2014 12:18 pm

Crapping made me think of aping while on the toilet for some reason.

Obi-dan
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Location: Houston, TX

Postby Obi-dan » Wed Jan 29, 2014 1:55 pm

With all the vitriol and anger spewed at the Gardners over at myFico recently I think it's just time we call for a rumble. MemberSince99,I look to you to head up the sitdown and moderate the rules. (I walk away in a crouch, snapping my fingers)
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

MemberSince99
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Postby MemberSince99 » Wed Jan 29, 2014 2:21 pm

I don't have an issue with the gardeners just because they garden. That cult is a bit kooky how they go about it, but that's up to them.


I'm just not a fan of some people giving bad advice. If they'd think in terms of what's best for the person asking instead of themselves or their personal agenda they'd do a lot better.


But hey, a good cage match is always great - "Two men enter one man leaves!" Just like in Mad Max.

Obi-dan
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Postby Obi-dan » Wed Jan 29, 2014 3:39 pm

MemberSince99 wrote:I don't have an issue with the gardeners just because they garden. That cult is a bit kooky how they go about it, but that's up to them.


I'm just not a fan of some people giving bad advice. If they'd think in terms of what's best for the person asking instead of themselves or their personal agenda they'd do a lot better.

Agree

But hey, a good cage match is always great - "Two men enter one man leaves!" Just like in Mad Max.


Always down with a Thunderdome-style settlement.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

JoDa
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Postby JoDa » Wed Jan 29, 2014 11:08 pm

Forgive me, for this is the one financial item I'm not totally up-to-date on. I hear about back-dating with AMEX, and when I asked about the CSP/UMP through Chase, many people told me to combine them...

So, last night, I called Chase and asked them if I could "do anything to combine the CSP and UMP." They said I could "consolidate" them and have a single credit line on the CSP equal to the two I have now. I asked if that would transfer my "history" and they said no. So...is this something only AMEX does, or did the rep misunderstand their reporting protocol and my CSP would report as being open since 2009 if I consolidated? Honestly, I don't care that much. I'm going to consolidate them no matter what because I'm not going to pay 2 fees, and not losing the credit line is a zero-cost option for me. And I know the UMP will still factor in until my CSP is old enough that I won't care as far as age of accounts go. But I would like to know the actual situation after I consolidate, just for my own personal information.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

MemberSince99
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Postby MemberSince99 » Thu Jan 30, 2014 6:40 am

Amex is the only company I'm aware of which backdates. As soon as you open your first card with them, every card you open after that carries the Member Since year of the first card.


Chase doesn't do it and neither does anyone else I've ever heard of.

RewardHop
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Postby RewardHop » Fri Jan 31, 2014 12:46 am

MemberSince99 wrote:Amex is the only company I'm aware of which backdates. As soon as you open your first card with them, every card you open after that carries the Member Since year of the first card.


Chase doesn't do it and neither does anyone else I've ever heard of.


I only wish I had known this sooner, its definitely a huge advantage.
I got my first AMEX some 6 years after getting my first credit card... waited so long.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]



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