A Moratorium on Annoying Private Messages?

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A Moratorium on Annoying Private Messages?

Postby CarefulBuilder14 » Tue Feb 03, 2015 4:42 pm

I think we should have a moratorium on inherently dumb/annoying private messages, as well as reasonable messages that really should be in a public thread. I’ve gotten a few of them from different people and they kind of bug me.

In the time I’ve been here, I’ve had only one private message thread that actually needed to be private. I won’t name the other individual or the topic (but it’s the only private thread I’ve started so that tells you who you are). I liked that it stayed private, and I expect so did the other person. Having the feature is good — it’s just largely abused.

There are many, many threads where members openly compare cards and debate the pros and cons. That’s a great thing. But I’m getting messages like “You got the CSP. Do you spend enough to justify the $95 AF?” where there is just no good way to reply. I could reply with:

A: Yes — a simple, accurate, somewhat brusk, and nearly-useless answer. I’m doing this more lately.
B: I could be sarcastic, mean, or give intentionally bad advice.
C: An in-depth, mathematically detailed, extremely useful answer that will only be read by one other person — who is often a freeloader on here / may just end up getting the card because it’s metal or has a signup bonus. I used to reply this way.
D. I could ignore it, and get a bunch of ‘u there’ type follow-up messages (without even a question mark, of course).

I get private questions like “I see you have the Sallie Mae card. Does the 5% limit on that apply to $250 on gas and $250 on groceries, or is it on combined spending?” and those bug me, too. Many people here have the Sallie Mae — I’m far from being the only one. A lot of these questions are probably sent privately to several people when numerous old threads answer the question.

Now if someone had a question about something like the Brooks Brothers credit cards — which are fairly uncommon here — then I can understand wanting my attention specifically on something. So make a public thread about it, and maybe send a private message letting me know the thread exists and that you’d like my thoughts. You can also get the input of any other people who have it, and other people who are interested can read it. Sending a private message, I think, should only be for private matters. It’s a bit rude to essentially demand information from a particular person on here, and private messages should be used with more restraint.

So from now on, if anyone sends me a private message I don’t think merits a thoughtful, detailed reply, I’m just going to direct them once to this thread. I invite you to do the same.

Do others agree? Or not mind? Do I just get more annoying private messages than others do?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Postby lobbythis » Tue Feb 03, 2015 5:48 pm

Your sig does not help. While understanding what we all carry is useful in discussions, it's obviously letting the n00bs know who has what.

You have a high post count so n00bs assume you are a master of finance and are too lazy to search the forum or simply don't even know the search function exists. Also, high post count means you are much more visible and easier to find, even if they do use the search function.

Lastly, it comes with the territory if you are constantly making thorough, well-informed posts and have a high post count. I am a senior member on some ecommerce forums and get lots of dumb PM's every week. I simply ignore them and they get the idea.

It's up to you how you handle it because I doubt it's going to stop.

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Postby whit » Tue Feb 03, 2015 10:29 pm

ignore the msgs
like I ignore certain emails or texts
I mean if it's really that bothersome
otherwise a few short words works

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Postby popamode72 » Tue Feb 03, 2015 11:43 pm

A and D I'd continue to do.

Thankfully I haven't seen as many of those people you're talking about here flood the forum but that was a problem earlier on.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Postby Cre » Wed Feb 04, 2015 11:22 pm

Ha ha... NO one PM's me. I'm also a thread killer. After I post, threads die.

With your post above, you are well on your way!
Current Cards:
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Future Strategy:
Near Term: Need a good MasterCard for places that won't accept AmEx or Visa
Long Term: Will downsize out of one or both current AmEx cards to reduce AFs

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