Moved from MyFico to here...

A place to discuss anything... except credit cards!
mountaindewvoltage
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Re: Moved from MyFico to here...

Postby mountaindewvoltage » Tue Oct 11, 2016 11:18 pm

CarefulBuilder14 wrote:mdv,

Am I correct in thinking the mods threw out your thread about the Amex CSR not knowing about the prequal website?


No it was a post about an OP wanting to co-sign on a loan for someone.

Members there think you need your wife's permission before you do anything apparently.

I disagreed and then they personally attacked me, but the inconsistent moderation was at full force again and I was banned.

Members there don't know the difference between a personal attack and general comment apparently.


Nixon
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Re: Moved from MyFico to here...

Postby Nixon » Wed Oct 12, 2016 7:05 am

mountaindewvoltage wrote:
CarefulBuilder14 wrote:mdv,

Am I correct in thinking the mods threw out your thread about the Amex CSR not knowing about the prequal website?


No it was a post about an OP wanting to co-sign on a loan for someone.

Members there think you need your wife's permission before you do anything apparently.

I disagreed and then they personally attacked me, but the inconsistent moderation was at full force again and I was banned.

Members there don't know the difference between a personal attack and general comment apparently.

It was probably that gdale kiss ass.
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JonE
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Re: Moved from MyFico to here...

Postby JonE » Wed Oct 12, 2016 11:04 am

This is a much better place, they don't moderate it to hell and back, and it's growing daily.
Current Cards: Chase Freedom, Discover IT
Future: TBD

Stros05
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Re: Moved from MyFico to here...

Postby Stros05 » Wed Oct 12, 2016 3:21 pm

We will not be terminated for saying the emporer has no clothes. :cheers:

mountaindewvoltage
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Re: Moved from MyFico to here...

Postby mountaindewvoltage » Wed Oct 12, 2016 10:48 pm

Nixon wrote:
mountaindewvoltage wrote:
CarefulBuilder14 wrote:mdv,

Am I correct in thinking the mods threw out your thread about the Amex CSR not knowing about the prequal website?


No it was a post about an OP wanting to co-sign on a loan for someone.

Members there think you need your wife's permission before you do anything apparently.

I disagreed and then they personally attacked me, but the inconsistent moderation was at full force again and I was banned.

Members there don't know the difference between a personal attack and general comment apparently.

It was probably that gdale kiss ass.


It was GDale. He said he would mute my profile after my ban was set to lift in two weeks until I read the TOS. I'm 25 and don't want to be filtered like I'm in middle school, sorry. I won't be returning.

kdm31091
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Re: Moved from MyFico to here...

Postby kdm31091 » Fri Oct 14, 2016 7:11 am

Yes, they are over moderated and if you don't support the people who are flat out addicted to cards and applying for a new one weekly, you get banned. Doesn't matter whether your advice is actually objectively correct or not. If you aren't being "supportive", you get hit with a ban hammer. There are people on there who REALLY need to stop applying for cards but no one will tell them that because they'll get banned.

I used to post a lot more there than I do. Got tired of the nonstop moderation and incessant posts from the same people.

I'm just as much a credit fan as anyone else but some of the posts on there truly make you want to say "who cares?". Obsessing about when your new BOA card is going to first report, when will it appear in your online profile, etc, etc...it's just not that important when you already have dozens of cards reporting.

I've just been not replying much on there in lieu of stating my opinion and getting banned (again). With myfico if you don't want to be banned keep your answers short and devoid of opinion.

Nixon
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Re: Moved from MyFico to here...

Postby Nixon » Fri Oct 14, 2016 7:26 am

Congrats, thanks for sharing.
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mountaindewvoltage
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Re: Moved from MyFico to here...

Postby mountaindewvoltage » Fri Oct 14, 2016 1:53 pm

kdm31091 wrote:Yes, they are over moderated and if you don't support the people who are flat out addicted to cards and applying for a new one weekly, you get banned. Doesn't matter whether your advice is actually objectively correct or not. If you aren't being "supportive", you get hit with a ban hammer. There are people on there who REALLY need to stop applying for cards but no one will tell them that because they'll get banned.

I used to post a lot more there than I do. Got tired of the nonstop moderation and incessant posts from the same people.

I'm just as much a credit fan as anyone else but some of the posts on there truly make you want to say "who cares?". Obsessing about when your new BOA card is going to first report, when will it appear in your online profile, etc, etc...it's just not that important when you already have dozens of cards reporting.

I've just been not replying much on there in lieu of stating my opinion and getting banned (again). With myfico if you don't want to be banned keep your answers short and devoid of opinion.


Being approved for a card feels nice because, in the end, you can breathe a sigh of relief that you didn't completely waste a hard pull.

But if you're chanting about getting approved for a crappy Capital One card, who is a mediocre lender in my opinion, with a $300 limit and a 25.24% APR, I don't see why you'd want to tell the entire internet of your "success" or really lack-there-of.

I guess all wasn't a waste of time, though. There were a few members who pointed out how to join Navy Fed which I greatly appreciate.

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CarefulBuilder14
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Re: Moved from MyFico to here...

Postby CarefulBuilder14 » Fri Oct 14, 2016 3:07 pm

mountaindewvoltage wrote:
kdm31091 wrote:Yes, they are over moderated and if you don't support the people who are flat out addicted to cards and applying for a new one weekly, you get banned. Doesn't matter whether your advice is actually objectively correct or not. If you aren't being "supportive", you get hit with a ban hammer. There are people on there who REALLY need to stop applying for cards but no one will tell them that because they'll get banned.

I used to post a lot more there than I do. Got tired of the nonstop moderation and incessant posts from the same people.

I'm just as much a credit fan as anyone else but some of the posts on there truly make you want to say "who cares?". Obsessing about when your new BOA card is going to first report, when will it appear in your online profile, etc, etc...it's just not that important when you already have dozens of cards reporting.

I've just been not replying much on there in lieu of stating my opinion and getting banned (again). With myfico if you don't want to be banned keep your answers short and devoid of opinion.


Being approved for a card feels nice because, in the end, you can breathe a sigh of relief that you didn't completely waste a hard pull.

But if you're chanting about getting approved for a crappy Capital One card, who is a mediocre lender in my opinion, with a $300 limit and a 25.24% APR, I don't see why you'd want to tell the entire internet of your "success" or really lack-there-of.

I guess all wasn't a waste of time, though. There were a few members who pointed out how to join Navy Fed which I greatly appreciate.

It's all relative. $300 may be a lot for a rebuilder. You scoff at their CLs. I could scoff at yours. Several people here could scoff at mine.
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Nixon
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Re: Moved from MyFico to here...

Postby Nixon » Fri Oct 14, 2016 5:04 pm

CarefulBuilder14 wrote:
mountaindewvoltage wrote:
kdm31091 wrote:Yes, they are over moderated and if you don't support the people who are flat out addicted to cards and applying for a new one weekly, you get banned. Doesn't matter whether your advice is actually objectively correct or not. If you aren't being "supportive", you get hit with a ban hammer. There are people on there who REALLY need to stop applying for cards but no one will tell them that because they'll get banned.

I used to post a lot more there than I do. Got tired of the nonstop moderation and incessant posts from the same people.

I'm just as much a credit fan as anyone else but some of the posts on there truly make you want to say "who cares?". Obsessing about when your new BOA card is going to first report, when will it appear in your online profile, etc, etc...it's just not that important when you already have dozens of cards reporting.

I've just been not replying much on there in lieu of stating my opinion and getting banned (again). With myfico if you don't want to be banned keep your answers short and devoid of opinion.


Being approved for a card feels nice because, in the end, you can breathe a sigh of relief that you didn't completely waste a hard pull.

But if you're chanting about getting approved for a crappy Capital One card, who is a mediocre lender in my opinion, with a $300 limit and a 25.24% APR, I don't see why you'd want to tell the entire internet of your "success" or really lack-there-of.

I guess all wasn't a waste of time, though. There were a few members who pointed out how to join Navy Fed which I greatly appreciate.

It's all relative. $300 may be a lot for a rebuilder. You scoff at their CLs. I could scoff at yours. Several people here could scoff at mine.


Santa's little helper could scoff at a $300 CL.
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