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spacemule

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About spacemule

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    Head Dilweed

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  1. Browse any well-run forum and you will see a noticeable lack of necro threads. Necro threads are impolite precisely because posts made a decade ago are 1)no longer current 2)involve posters who are not present 3) result in a random mess of data that is not cohesive or useful. It's as if you took a book, cut all the pages out, strew them about in random order and removed the page numbers. Good luck with that.
  2. Etiquette exists for a reason. Links absent commentary are spam. We can all easily go to google if we want links on any subject. Online etiquette involves including a comment and/or a discussion starter for any links. Online etiquette also involves not necroposting. When those two things are not followed, the forum becomes cluttered, disjointed, and current, pertinent discussions are buried, requiring users to sift through the clutter. That disrespects our time and increases frustration.
  3. https://en.scratch-wiki.info/wiki/Necropost They get old, as well as the spammy threads containing a single link with no comment. I have virtually quit coming to this site as a direct result--yeah I know, great loss. 😛 Just a suggestion--perhaps modify the software to disallow posts on threads that haven't had a recent comment--say 6 months? If someone needs to continue the topic, they can always start a new thread with a link to the original.
  4. Odd. I checked app and it is still Fico there, but not on website.
  5. Today when I logged on, the Fico link was gone, and was replaced with a link to American Express MyCredit, which is a Vantage score. Anyone else see this?
  6. I have used the 150 off 750 at cruise lines this year twice.
  7. I bought my $2 ticket. Relatively cheap entertainment. It is fun to fantasize about what will certainly never happen. But hey, someone has got to win, right? 😛
  8. If you have a hard inquiry lasting more than 4 hours, you should consult a physician.
  9. Were those payments all made from the same account, and is that account the same one you're trying to use for the redemption?
  10. I am under the impression that most cash advances charge interest from the posting date.
  11. I was just browsing Credit Karma and saw this: https://www.creditkarma.com/credit-cards/best-offer-guarantee/ If you apply for a card through their site and are approved and then subsequently find a higher sign up bonus, they will issue an Amazon gift card for the difference. Seems interesting, but the utility would undoubtedly be limited. I would think most people paying attention to sign up bonuses will find the best before they apply.
  12. So, I am applying for "head dilweed" and lack the credentials a 6th grade education affords. Anything else? 😊
  13. 90% utilization on a card is considered a high balance. When you say you had "no high balances that were out of the norm," I interpret this as saying "I had normal high balances." Is that what you mean? Fico scores are scored most heavily on the presence of missed payments or lack thereof. High utilization ratios is another huge factor. On the bright side, utilization ratios are the easiest to modify and gain a rapid score increase in a short amount of time.
  14. The quotes directly contradict your assertion that the discussion was not regarding whether Barclays offered a Fico score. If quoting objectively verifiable facts makes me a "head dilweed", I am ok with that, and I will do it again. Do you have anything constructive to add?

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