So many visitors, but so few posters

A place to discuss anything... except credit cards!
stillarook
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Postby stillarook » Mon Mar 17, 2014 4:43 pm

I'm newly registered, but I feel like if the format of the forum was a bit smoother (such as the design and reply buttons) and streamlined, I'd be more tempted to look through the forum more and eventually post.


MemberSince99
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Postby MemberSince99 » Mon Mar 17, 2014 4:52 pm

Hopefully more people will step up and contribute in time. You don't have to be an expert. I'm not. I just contribute what I've experienced and also read about. I sure don't have all the answers. The more I read and learn, the less I realize I know, but I do share what I have experienced, in the hopes that it helps someone else on their journey, so you don't have to reinvent the wheel and make the screw ups I've made.

linuxmachine
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Postby linuxmachine » Mon Mar 17, 2014 6:10 pm

thats the thing. sites like this and FT have so many data points, but accessing to this info is archaic. i'd like to see this data organized, tagged with the appropriate metadata, have it be spliced in dozens of different ways, and get some interesting perspectives.

MemberSince99
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Postby MemberSince99 » Mon Mar 17, 2014 6:15 pm

My guess is, so would the NSA.

linuxmachine
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Postby linuxmachine » Mon Mar 17, 2014 6:32 pm

MemberSince99 wrote:My guess is, so would the NSA.


on credit cards and rewards charts? :P

darkguy2
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Postby darkguy2 » Mon Mar 17, 2014 6:50 pm

NSA Exec: "Hey Tony look at this. These things called credit cards have a lot of money going through them."
Tony: "How much are we talking about?"
NSA Exec: "Billions of dollars."
Tony: "Wow the only explanation is that terrorists are using these "credit cards" to fund their attacks. Add it to the watch list."
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

MemberSince99
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Postby MemberSince99 » Tue Mar 18, 2014 6:53 am

It was a joke - kind of.


One thing I have noticed lately is a lot of one post people posting something along the lines of "I want a top of the line card with unlimited spend. I'm only a college student now, but very shortly I'm going to be very wealthy and famous and thus I'm looking to establish the kind of credit a near deity like me deserves. How do I get the best cards with no limit at all on my college student income and no credit history?" or some such thing.


I think yeah, dream on buddy, maybe you were born into a wealthy family where you've been waited on hand and foot all your life and handed everything, but I doubt it so you just go right on dreaming and wish in this hand and crap in the other and let's see which one fills up first. I mean what do you even say to that? I've stopped even responding to those. Or the ones who ask "What are my approval odds for card X". I mean seriously, am I the psychic hotline? Uh, I give you 68.7259292929% if you apply today. How the frick would I know? Or "give me a Ph.D type dissertation in extreme depth and detail and at least as long as the last chapter of 'War and Peace' on why I should use a credit card instead of my debit card". Um, dude, unless you are paying my salary, you simply aren't going to get that for free. Google it - you'll find the same things I would tell you and save me half a day's worth of free work catering to your needs, even as wonderful as you surely are.


That's why I just don't bother answering some of the questions anymore. I have better things to do.

linuxmachine
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Postby linuxmachine » Tue Mar 18, 2014 10:57 am

Lol... they're just kids. I guess I don't feel that way just yet. Still on my honeymoon phase here haha

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Vattené
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Postby Vattené » Tue Mar 18, 2014 1:10 pm

mdl28 wrote:The site has got less traffic then before, but what is discussed is worth reading.

That being said, I wouldn't mind if the site was more frequented and used.

+1
That is why I keep coming back. I feel this is a very high-quality site with knowledgeable users.

MemberSince99 wrote:I mean seriously, am I the psychic hotline? Uh, I give you 68.7259292929% if you apply today.


There's an idea! Throw up some late night infomercials, set up a hotline, and you can seriously tap into a very niche market, MemberSince99. Profiting off of rubes: it's the American entrepreneurial way!
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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tbka
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Postby tbka » Wed Mar 19, 2014 4:38 am

I have just found this forum like most people I guess, by googling something about credit cards and then start reading. I did joint until I had a question to ask. Then I started to really get into things. I hope this
Doesn't die out, because it has been great help and advice for me.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18



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