Continued from 2007 ... GO DOW GO!!

Ooops wrong thread Hahahha !

but yes I’m one of those deadbeat customers because I pay them before time and in full without letting them loan shark me :D
 
Have you noticed since the interest rates have gone up . That the credit card companies are advertising for people to get them more now ! I’m seeing commercials all the time pushing for suckers … hell it’s criminal what my interest rates on card has risen to now with Bidenomics . some were 9.98% and now I think the lowest says 18% .. What do the say the fed rates are and inflation is ? Something like 3.1% . What a gouge !
 
VIPR PWR said:
Could be if I ever went to a stealership
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Go there just to tuck one iff. Besides there's nothing like waiting three hours for an oil change to waste your day! o_O:rolleyes:
 
VIPR PWR said:
Have you noticed since the interest rates have gone up . That the credit card companies are advertising for people to get them more now ! I’m seeing commercials all the time pushing for suckers … hell it’s criminal what my interest rates on card has risen to now with Bidenomics . some were 9.98% and now I think the lowest says 18% .. What do the say the fed rates are and inflation is ? Something like 3.1% . What a gouge !
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Some credit card rates are like 35%!!!
Unbelievable and criminal
 
VIPR PWR said:
I like building the points on my credit cards hahaha , I have 14 of them ,, business and personal .. I have a ton of points on them and only a balance on 1 of them with zero % interest …
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I do that and pay in full each month -i don't have that many but it's nice to have them if you need them :D
 
Wifey said:
Go there just to tuck one iff. Besides there's nothing like waiting three hours for an oil change to waste your day! o_O:rolleyes:
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Nope ! not going there ! Well maybe one day to get the airbag recall done hahaha
 
Wifey said:
I do that and pay in full each month -i don't have that many but it's nice to have them if you need them :D
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Oh I need them because if I close the accounts it hits my credit score … what a joke the credit score system is ….. so I rotate using them for points and pay each charge I make off when I get home hahaha
 
VIPR PWR said:
Oh I need them because if I close the accounts it hits my credit score … what a joke the credit score system is ….. so I rotate using them for points and pay each charge I make off when I get home hahaha
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Play their game! To your advantage!

my credit score is excellent and I'm not sure why it even changes much but it does. Another gimmick

dave Ramsey says no one should use credit ever. I disagree with him. He says your credit score is playing kissy face with the bankers. He's got some good points but there's a lot i don't agree with him on
 
Wifey said:
Play their game! To your advantage!

my credit score is excellent and I'm not sure why it even changes much but it does. Another gimmick

dave Ramsey says no one should use credit ever. I disagree with him. He says your credit score is playing kissy face with the bankers. He's got some good points but there's a lot i don't agree with him on
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mine never changes anymore for the better ,,, yet if I charge 3 cents and it gets put on a billing statement it does drop a few points hahaha unreal .. I have a 865 FICO and a 825 vantage score .. that puts me in the top 20% … yet because I don’t have a car loan or school loan my credit is negatively affected … never missed or been late on a payment , my debt to credit ratio is great and under the 30% usage threshold .. Scam ass system without a doubt .
 
VIPR PWR said:
mine never changes anymore for the better ,,, yet if I charge 3 cents and it gets put on a billing statement it does drop a few points hahaha unreal .. I have a 865 FICO and a 825 vantage score .. that puts me in the top 20% … yet because I don’t have a car loan or school loan my credit is negatively affected … never missed or been late on a payment , my debt to credit ratio is great and under the 30% usage threshold .. Scam ass system without a doubt .
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I have a car loan right now so that helps my credit mix - they keep offering personal loans and heloc loans - no thank you!
 
Wifey said:
I have a car loan right now so that helps my credit mix - they keep offering personal loans and heloc loans - no thank you!
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No Helocs ,,,,… I have a line business line of credit that they shut down years ago when the chit hit the fan .. screwed me over doing that . They did come back and offer to activate it again and I ignored them .. I’m still paying on it today because of that crap . I thank George Bush for it all when he signed a bill for credit companies giving them the right to raise everyone’s minimum credit payments .. stating it will help pay down the national debt .. What a joke that was .
 
VIPR PWR said:
No Helocs ,,,,… I have a line business line of credit that they shut down years ago when the chit hit the fan .. screwed me over doing that . They did come back and offer to activate it again and I ignored them .. I’m still paying on it today because of that crap . I thank George Bush for it all when he signed a bill for credit companies giving them the right to raise everyone’s minimum credit payments .. stating it will help pay down the national debt .. What a joke that was .
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Oh gawd i remember that!

no heloc ever. Aint going through that again!!
 
Credit card companies all raised the min. Payments and cut peoples amount of available credit .. crooks …. BOA was one I had a business credit card at that time and my monthly payment went from 81$ a month to 201$ a month … man was I POed .
 
VIPR PWR said:
Credit card companies all raised the min. Payments and cut peoples amount of available credit .. crooks …. BOA was one I had a business credit card at that time and my monthly payment went from 81$ a month to 201$ a month … man was I POed .
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I don't care for that institution
 
Wifey said:
I don't care for that institution
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I call them Bank of NON America and shut dow all my accounts with them except the credit card . It has a high credit line . Hahaha
 
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