Done with myfico, apparently!

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MemberSince99
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Re: Done with myfico, apparently!

Postby MemberSince99 » Thu May 26, 2016 8:13 am

I was drunk last night and applied for every commenity card. Did I just hurt my credit? If I close them before they report will that fix it and if so is it better to be drunk while I do it?


yfan
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Re: Done with myfico, apparently!

Postby yfan » Thu May 26, 2016 7:19 pm

I cannot BELIEVE lender such and such gave me a CLD after I applied for 9000 different cards. I have NEVER been late on THEIR card and my utility on THEIR card is only 29%!!!!!

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Re: Done with myfico, apparently!

Postby Nixon » Thu May 26, 2016 8:29 pm

yfan wrote:I cannot BELIEVE lender such and such gave me a CLD after I applied for 9000 different cards. I have NEVER been late on THEIR card and my utility on THEIR card is only 29%!!!!!

AND I CALL IN MONTHLY TO CANCEL IF THEY WON'T GIVE ME SPEND OFFERS!!!!!111!!1
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CarefulBuilder14
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Re: Done with myfico, apparently!

Postby CarefulBuilder14 » Fri May 27, 2016 1:56 am

MemberSince99 wrote:I was drunk last night and applied for every commenity card. Did I just hurt my credit? If I close them before they report will that fix it and if so is it better to be drunk while I do it?

Close Comenity cards before seeing if you can get CLIs on them?

That's crazy talk.
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

Nixon
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Re: Done with myfico, apparently!

Postby Nixon » Fri May 27, 2016 6:45 am

CarefulBuilder14 wrote:
MemberSince99 wrote:I was drunk last night and applied for every commenity card. Did I just hurt my credit? If I close them before they report will that fix it and if so is it better to be drunk while I do it?

Close Comenity cards before seeing if you can get CLIs on them?

That's crazy talk.


And if they won't give me a $20,000 CLI so I can buy $5 candles I'll cancel!
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Tubpbs
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Re: Done with myfico, apparently!

Postby Tubpbs » Fri May 27, 2016 6:06 pm

Hahaha. You guys love the population over there. My question is, what percentage of the nonsense is true vs. just a plain lie?
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CarefulBuilder14
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Re: Done with myfico, apparently!

Postby CarefulBuilder14 » Fri May 27, 2016 6:55 pm

Tubpbs wrote:Hahaha. You guys love the population over there. My question is, what percentage of the nonsense is true vs. just a plain lie?

Several people on MF are actually like this. Every jab I've seen in this thread is based on real MF material - and not just isolated cases.

That said, keep in mind:
1. MF has many sensible people who rarely post, if only a few who post frequently. When visibility is proportional to posting activity, a fairly small number of very active outliers can appear to be representative of a community.
2. There's some irrationality on this forum, too.
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

kdm31091
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Re: Done with myfico, apparently!

Postby kdm31091 » Sat May 28, 2016 2:40 pm

CarefulBuilder14 wrote:
Tubpbs wrote:Hahaha. You guys love the population over there. My question is, what percentage of the nonsense is true vs. just a plain lie?

Several people on MF are actually like this. Every jab I've seen in this thread is based on real MF material - and not just isolated cases.

That said, keep in mind:
1. MF has many sensible people who rarely post, if only a few who post frequently. When visibility is proportional to posting activity, a fairly small number of very active outliers can appear to be representative of a community.
2. There's some irrationality on this forum, too.


I think anyone who is even somewhat sensible quickly tires of trying to talk sense into the community there so they don't tend to post much.

I just see the same people apping over and over, despite previous AA, for cards they don't even really want/need (ddemari got ALL of his comenity accounts shut down, yet he keeps apping for random cards all over the place).

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CarefulBuilder14
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Re: Done with myfico, apparently!

Postby CarefulBuilder14 » Mon May 30, 2016 10:36 am

I got upgrades on some store cards. There were no bonuses or special rewards, and they closed old accounts and opened new ones. The risk of fraud is also increased, since the cards can be used anywhere V/MC is accepted (even though I have a dozen better V/MC options for most purchases). Still, they're definitely upgrades!

Then I read about someone else getting AA, and decided I didn't want to risk it, so I closed the accounts proactively.
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

JonE
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Re: Done with myfico, apparently!

Postby JonE » Thu Jun 02, 2016 9:05 am

Comenity is pretty much on my 'don't go anywhere near' list based off the threads over there. Not that they have any stores I regularly shop at to begin with. I'm super-happy with just the Amazon Prime card as my main store account. I've put a lot of use on it since getting it back.
Current Cards: Chase Freedom, Discover IT
Future: TBD



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