Done with myfico, apparently!

A place to discuss anything... except credit cards!
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kdm31091
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Re: Done with myfico, apparently!

Postby kdm31091 » Wed Jan 27, 2016 8:27 am

Nixon wrote:Jared?


Red's thread from the last night. Practically doing scientific analysis for each program. That's fine if that's what you want to do, but if you're that invested in it, I have no idea why you would want/need opinions from anyone else when you clearly have researched every possible detail.


kdm31091
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Re: Done with myfico, apparently!

Postby kdm31091 » Fri Jan 29, 2016 10:29 am

Now monoglot's asking if he should get an Ink for 5% office supplies so he can buy restaurant GCs, instead of using his AARP (that he wanted so bad).

The dude just doesn't know when to stop.

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Re: Done with myfico, apparently!

Postby 4ktvs » Sat Jan 30, 2016 9:34 am

kdm31091 wrote:Now monoglot's asking if he should get an Ink for 5% office supplies so he can buy restaurant GCs, instead of using his AARP (that he wanted so bad).

The dude just doesn't know when to stop.


People have even told him the $300 US bank approval was a sign he needs to quit applying for cards but yet the app train is going full speed ahead.

I would think for the restaurants with GC you could likely buy them cheaper other ways than at office supply stores. Maybe his peers have told him it's uncool for a 18 year old to have a AARP card that is designed for members and that membership is designed for much older people.

kdm31091
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Re: Done with myfico, apparently!

Postby kdm31091 » Sat Jan 30, 2016 9:45 am

4ktvs wrote:
kdm31091 wrote:Now monoglot's asking if he should get an Ink for 5% office supplies so he can buy restaurant GCs, instead of using his AARP (that he wanted so bad).

The dude just doesn't know when to stop.


People have even told him the $300 US bank approval was a sign he needs to quit applying for cards but yet the app train is going full speed ahead.

I would think for the restaurants with GC you could likely buy them cheaper other ways than at office supply stores. Maybe his peers have told him it's uncool for a 18 year old to have a AARP card that is designed for members and that membership is designed for much older people.


As much as he insisted that he was "just curious" as far as the Ink card, he seems to think everyone is stupid. It's obvious that he wants to apply for it. I know I say this over and over, but how many different rewards cards can one really benefit from? One card for every possible category you might spend on seems like spreading a bit thin, yet that's exactly what he seems to be going for: a card for every single situation.

I agree he probably got some flak from friends about the AARP or something,and now regrets it. He wanted it so badly, now he talks about it like it's old news/useless.

However, anytime anyone tries to tell him to stop, he acts stubborn and obstinate so I guess it's fine to just watch him crash and burn!

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CarefulBuilder14
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Re: Done with myfico, apparently!

Postby CarefulBuilder14 » Fri Mar 11, 2016 11:12 pm

Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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Re: Done with myfico, apparently!

Postby Tubpbs » Fri Mar 11, 2016 11:40 pm

CarefulBuilder14 wrote:http://ficoforums.myfico.com/t5/Credit-Cards/Empire-Carpet-Financing/td-p/4491194

A thread about carpets...


I think you would be surprised how many people buy carpets and other such household improvements who not only can't afford it long term, but simply have no money whatsoever to put towards the project. Someone, for example, who managed to get approved for a mortgage they really can't afford and have nasty shit carpet in the house they need to replace for one reason or another (or siding or a roof or fixing a flooded area).
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BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
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Re: Done with myfico, apparently!

Postby Nixon » Sat Mar 12, 2016 5:23 am

Tubpbs wrote:
CarefulBuilder14 wrote:http://ficoforums.myfico.com/t5/Credit-Cards/Empire-Carpet-Financing/td-p/4491194

A thread about carpets...


I think you would be surprised how many people buy carpets and other such household improvements who not only can't afford it long term, but simply have no money whatsoever to put towards the project. Someone, for example, who managed to get approved for a mortgage they really can't afford and have nasty shit carpet in the house they need to replace for one reason or another (or siding or a roof or fixing a flooded area).


+1,


But also if you carpet the whole house, as a bonus you get your patio AstroTurfed!
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kdm31091
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Re: Done with myfico, apparently!

Postby kdm31091 » Mon Mar 14, 2016 8:39 am

I think financing carpet is pretty much a bad idea. Unless the carpet is like, a serious health hazard with mold or something, just clean it as best you can until you can afford to get it replaced. Or like suggested in the myfico thread, area rugs for the time being.

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Re: Done with myfico, apparently!

Postby Tubpbs » Mon Mar 14, 2016 9:49 am

kdm31091 wrote:I think financing carpet is pretty much a bad idea. Unless the carpet is like, a serious health hazard with mold or something, just clean it as best you can until you can afford to get it replaced. Or like suggested in the myfico thread, area rugs for the time being.


I think what you're missing from my post is that the type of person that will finance this purchase (also, people finance hardwood installations, which I assume the group sees more as a capital improvement and as more reasonable) will never have the money in hand to replace anything...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

kdm31091
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Re: Done with myfico, apparently!

Postby kdm31091 » Mon Mar 14, 2016 10:42 am

Tubpbs wrote:
kdm31091 wrote:I think financing carpet is pretty much a bad idea. Unless the carpet is like, a serious health hazard with mold or something, just clean it as best you can until you can afford to get it replaced. Or like suggested in the myfico thread, area rugs for the time being.


I think what you're missing from my post is that the type of person that will finance this purchase (also, people finance hardwood installations, which I assume the group sees more as a capital improvement and as more reasonable) will never have the money in hand to replace anything...


You're absolutely right. If you're financing carpet installation, you probably need to look into saving up money for the less glamorous but necessary home repairs that WILL come up!



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