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Message
re: Rejected with a Credit Score of 840?
Posted on 8/4/18 at 1:09 pm to Oddibe
Posted on 8/4/18 at 1:09 pm to Oddibe
quote:
Are you saying Amex is not a credit card?
I dumped them years ago so I don't know about now but historically no, it was not, sort of a voucher for your good credit but whatever you charged on it was due in full on each statement, could not carry a balance
1
Posted on 8/4/18 at 1:14 pm to RougeDawg
Subtle "high credit score, low income, negative net worth" brag
Posted on 8/4/18 at 1:16 pm to Oddibe
quote:
Are you saying Amex is not a credit card? I’ve had one going on 30 years.
I think technically it's a "charge card"...that said, with enough history you can carry a balance over to the next month like a CC...with a fee, of course.
Posted on 8/4/18 at 1:16 pm to 777Tiger
quote:You can carry a balance on some “big ticket” items.
dumped them years ago so I don't know about now but historically no, it was not, sort of a voucher for your good credit but whatever you charged on it was due in full on each statement, could not carry a balance
I purchase and pay for everything I can with Amex for the points. I also like the fact it generally needs to be paid in full. Keeps me from spending money I don’t have.
I only have 2 credit cards. An Amex and a card for places that don’t accept Amex.
Posted on 8/4/18 at 1:18 pm to Oddibe
Chase Sapphire Reserve for the win
Posted on 8/4/18 at 1:21 pm to Oddibe
quote:
You can carry a balance on some “big ticket” items.
back in the day, no could do, I used to carry it just because I go out of the country for work several times a month and it was taken just about everywhere and would never be refused, over the years I've found it just wasn't necessary for me anymore
Posted on 8/4/18 at 1:21 pm to PrivatePublic
quote:
All it means is that the credit bureaus have decided that you are someone who is good at paying off debt, which implies you are also good at getting into debt.
Not really. I use my CC for all purchases because I’m throwing away free money otherwise. Sure, it’s technically debt but it’s within my means and i pay in full, easily, every month.
Posted on 8/4/18 at 1:23 pm to RougeDawg
quote:
too many inquirys
Then how could you have an 840?
Posted on 8/4/18 at 1:31 pm to Rize
quote:
Subtle brag I got an 840
Not subtle at all
Posted on 8/4/18 at 1:47 pm to RougeDawg
Thanks to this thread, I just went and got another card. Having a 797 is nice.
Posted on 8/4/18 at 2:51 pm to fallguy_1978
quote:
My paw paw died a few years ago with no credit score. He was worth several million dollars at his death but had never borrowed a dime in his life. He had to pay a deposit to turn on his satellite TV
Smart man..
Posted on 8/4/18 at 2:56 pm to fightin tigers
quote:
1001 here
I remember when mine was that low.
Keep working at it, and it will go higher.
Posted on 8/4/18 at 3:03 pm to RougeDawg
Mine-872, wife-869
This post was edited on 8/4/18 at 3:04 pm
Posted on 8/4/18 at 3:17 pm to RougeDawg
You suck rougedog.
Posted on 8/4/18 at 3:25 pm to RougeDawg
Bank of America is a shitty bank anyway. Consider yourself lucky.
I had a credit card with them once, and always payed my bill in full and on time for over 15 years. Never had a late fee.
They began sending a little note in the bill (snail mail, I know, I'm old) asking for me to update my household income (everyone in the households total). I ignored it for about 3 months, but continued full, on time payments.
I'm at a gas station one day and swipe the card. Card reader says theres a problem. I go inside and the clerk swipes the card and says it declined.
I was pissed, and called the number on the back of the card and talked to a customer support person who said "Oh, I see why it was declined. We want you to update your total household income figure".
Seeing as how they had all that when I applied for the card originally, I told her to delete the fricking account and I would go to another bank for a card. Best thing I ever did. No other bank has ever pulled that crap with me on an existing card in excellent standing.
I had a credit card with them once, and always payed my bill in full and on time for over 15 years. Never had a late fee.
They began sending a little note in the bill (snail mail, I know, I'm old) asking for me to update my household income (everyone in the households total). I ignored it for about 3 months, but continued full, on time payments.
I'm at a gas station one day and swipe the card. Card reader says theres a problem. I go inside and the clerk swipes the card and says it declined.
I was pissed, and called the number on the back of the card and talked to a customer support person who said "Oh, I see why it was declined. We want you to update your total household income figure".
Seeing as how they had all that when I applied for the card originally, I told her to delete the fricking account and I would go to another bank for a card. Best thing I ever did. No other bank has ever pulled that crap with me on an existing card in excellent standing.
This post was edited on 8/4/18 at 3:26 pm
Posted on 8/4/18 at 3:34 pm to slackster
quote:
Spoken like someone with shitty credit "because I always use cash."
I never said that, genius. Based on what you said above, I would infer that you are borrowed to the hilt, have no savings and wonder why you live paycheck to paycheck.
quote:
I bet Warren Buffet's credit score is low.
I bet it's not.
Here you go, Einstein.
quote:
Borrowing money is anathema to some of the most wealthy, writes Jilian Mincer in the "Wall Street Journal." Mincer writes about millionaires who have difficulty obtaining mortgages because they have not used credit throughout their lives. MyFico.com reports that even billionaires like Warren Buffett have less than stellar credit scores.
How the wealthy use credit
Posted on 8/4/18 at 3:37 pm to RougeDawg
quote:
Rejected with a Credit Score of 840?
Posted on 8/4/18 at 3:38 pm to RougeDawg
Perhaps you are a layabout who frequents billiard halls and other such low places?
Posted on 8/4/18 at 3:41 pm to RougeDawg
Hah jokes on you, I got approved for two vehicles last weekend bitch! 
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