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MyFako Condones this Crap

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4 hours ago, hdporter said:

Let's have some fun and confess how many of these cards we have open in our own "portfolio" ...

 

I cop to 5!  ;)

I have 2 crap1 cards but not the ones listed by the crapflake.

 

I have nordies siggy visa

 

I'm surprised that crapflake doesn't have 14 subprime discovery cards

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13 minutes ago, hegemony said:

I have 2 crap1 cards but not the ones listed by the crapflake.

 

I have nordies siggy visa

 

No way the 'nordies siggy" qualifies.  It's far too "regal". 

 

Only mongrels and the occasional basic predigrees that are included in the list count.  (I have a crap 1 too, but didn't count it on that basis.)

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On 11/28/2018 at 7:41 AM, ivymike said:

OP is disgusted that BarclayUS just told him yet again to GFY

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/barclays-just-disgust-me/td-p/5418264

 

but had to be reminded that a month ago was complaining that he was in over his head with CC debt and on the verge of defaulting

 

https://ficoforums.myfico.com/t5/Personal-Finance/why-i-have-to-B-t/m-p/5396678#M35473

 

Back again.  https://ficoforums.myfico.com/t5/Credit-Card-Applications/10-Apps-on-EX-at-Once-or-few-hrs-days-intervals/td-p/5582310

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Could everyone please just stop using the term "app spree"?

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3 hours ago, cv91915 said:

Could everyone please just stop using the term "app spree"?

What do you suggest, "app rave"?  Or do we go retro with "app-o-rama"?

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On 4/20/2019 at 1:53 PM, hegemony said:

some of the responses are logical. some.

I hope that this poster left the "/sarc" tag off:

"I would suggest applying for the 10 cards and then add a card from Barclays and at least 4 cards from Comenity."

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was having a crappy day until I read some stupidity OTTF

 

https://ficoforums.myfico.com/t5/Credit-Cards/What-s-so-great-about-American-Express/td-p/5616202
 

Quote

 

What's so great about American Express?

Going through my credit cards, I signed up for a Delta Skymiles card due to a 60,000 bonus miles offer, and now I have 70,000 Miles which is pretty sweet. But, why should I keep using this card? Versus:

 

Capital One Venture Card - 2% Cash Back for any travel purchase vs 1% Delta Miles (2% only on Delta purchases). 20.15% APR vs 25%.

 

 

and

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Khols-are-joke/td-p/5628382

Quote

Khols are [sic] joke

 

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22 minutes ago, CTSoxFan said:

The level of idiocy of the OP of that thread is amazing. There was a ton of decent advice and the OP just ignores all of it.

I can't even imaging borrowing so much for a house that I'd be one car payment away from max DTI.  

 

This is why people have to eat Meow Mix for dinner when they retire.

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My young, dumb and uninformed nephew tried this a few years ago when he attempted to close on a house and it didn't work out for him. He never made it to the closing table. They pulled it 2 days before the closing stating that he no longer qualified.

 

After I found out about his shenanigans I gave him a ear lashing. He claims that he didn't know and no one informed him.

 

My daughter's loan officer at NFCU laid it all out for her in writing. My favorite quote was

 

"Do not buy a car during this process or you may be living in it" 

 

 

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50 minutes ago, cv91915 said:

Good lord.

 

https://ficoforums.myfico.com/t5/Auto-Loans/Capital-One-prequalification-questions/td-p/5634597

 

"I wouldn't mind a newer car, but I don't need one to get to work or anything. I am mostly interested in a car loan as a means to an end, getting a prime-rate mortgage next year or the year after." 

 

Jebus.  Someone should tell him that a car installment loan isn't going to do that for him.  I'm banned or I would...and in no uncertain terms.

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can you spot what made me laugh?

 

Quote

After a recent fiasco with my Comenity app, lots of recent negative experience with credit and getting hard pulls with no results, i figured wth, im a gluten for punishment, let me try Penfed to just see if they will ever approve me for something so i applied for the Pathfinder card.

the entire thread becomes a narcissistic love fest https://ficoforums.myfico.com/t5/Credit-Card-Applications/Thanks-Penfed-done-with-credit/td-p/5646229

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