Goukosan 2,249 Posted September 8, 2020 Share Posted September 8, 2020 42 minutes ago, lynux3 said: He never ceases to amaze; dude legit says the dumbest shit, doesn't matter the subject. 24 minutes ago, Twinblade said: I guarantee im better off financially than a lot of people I know who owe thousands of dollars on their credit cards and can barely make the minimum payment every month. The algorithm they use to calculate this is flawed. right on cue 2 Quote Link to post Share on other sites
lynux3 2,043 Posted September 8, 2020 Share Posted September 8, 2020 1 hour ago, Goukosan said: right on cue Quote Link to post Share on other sites
lynux3 2,043 Posted September 8, 2020 Share Posted September 8, 2020 1 hour ago, Twinblade said: I guarantee im better off financially than a lot of people I know who owe thousands of dollars on their credit cards and can barely make the minimum payment every month. The algorithm they use to calculate this is flawed. Your understanding of how credit works is flawed. Quote Link to post Share on other sites
ChupacabraIII 134 Posted September 8, 2020 Share Posted September 8, 2020 That nigga's brain is flawed. Stupid ass bitch. Quote Link to post Share on other sites
Tears of the Cows 1,204 Posted September 8, 2020 Share Posted September 8, 2020 (edited) 9 hours ago, Twinblade said: I guarantee im better off financially than a lot of people I know who owe thousands of dollars on their credit cards and can barely make the minimum payment every month. The algorithm they use to calculate this is flawed. Start using your cc for all purchases and either pay it off the day they post or at the end of the month. Do it daily to avoid having to see a large number that maybe you didn’t account for at the end of the month credit cards should work just like debit cards in the way that you use them. It’s just one extra step. (Pay with cc and then pay cc off) And you’ll never be behind. Edited September 8, 2020 by ghostz life matters Quote Link to post Share on other sites
Goukosan 2,249 Posted September 8, 2020 Share Posted September 8, 2020 11 hours ago, lynux3 said: Your understanding of how credit works is flawed. His understanding of how most of ANYTHING works is flawed Quote Link to post Share on other sites
SheepKilla 473 Posted September 8, 2020 Author Share Posted September 8, 2020 4 hours ago, ghostz life matters said: Start using your cc for all purchases and either pay it off the day they post or at the end of the month. Do it daily to avoid having to see a large number that maybe you didn’t account for at the end of the month credit cards should work just like debit cards in the way that you use them. It’s just one extra step. (Pay with cc and then pay cc off) And you’ll never be behind. This. People who think credit = free money are morons. Credit is basically an IQ test. If you have bad credit, your IQ is (usually) low. If you have amazing credit, you undoubtedly have a good IQ. Quote Link to post Share on other sites
Goukosan 2,249 Posted September 8, 2020 Share Posted September 8, 2020 19 minutes ago, SheepKilla said: This. People who think credit = free money are morons. Credit is basically an IQ test. If you have bad credit, your IQ is (usually) low. If you have amazing credit, you undoubtedly have a good IQ. 15 hours ago, Twinblade said: only 644 Quote Link to post Share on other sites
SheepKilla 473 Posted September 8, 2020 Author Share Posted September 8, 2020 21 minutes ago, Goukosan said: 644 isn't considered bad. It's average. If Twinblade really tried, he could get it to 700 no problem. Quote Link to post Share on other sites
ChupacabraIII 134 Posted September 8, 2020 Share Posted September 8, 2020 5 hours ago, SheepKilla said: This. People who think credit = free money are morons. Credit is basically an IQ test. If you have bad credit, your IQ is (usually) low. If you have amazing credit, you undoubtedly have a good IQ. mmm no. Quote Link to post Share on other sites
nitric 472 Posted September 9, 2020 Share Posted September 9, 2020 On 2020-09-07 at 9:12 PM, Twinblade said: Thats kind of retarded though. if someone has a card with a $10,000 limit, and they owe $3,000 they'll be in a better position than someone who has a card with a $1,000 limit and owes $800? How so when the former person is way more in debt? Holy shit How old are you again? Quote Link to post Share on other sites
JonDnD 2,606 Posted September 9, 2020 Share Posted September 9, 2020 830 when I got my credit check when I got a car . No credit debt at all . I'm not sure my limits, I have 2 credit cards and a credit line...over 50k afair Quote Link to post Share on other sites
JonDnD 2,606 Posted September 9, 2020 Share Posted September 9, 2020 On 2020-09-08 at 1:31 PM, SheepKilla said: 644 isn't considered bad. It's average. If Twinblade really tried, he could get it to 700 no problem. 644 is shit lol Quote Link to post Share on other sites
Goukosan 2,249 Posted September 10, 2020 Share Posted September 10, 2020 3 hours ago, nitric said: Holy shit How old are you again? Quote Link to post Share on other sites
102020393023445948594 2,223 Posted September 10, 2020 Share Posted September 10, 2020 i have an $11,200 limit and remember taking a beating when i had put a $4000 purchase on there, with an existing balance of $~2000. I immediately put $4000 on it the next month but it did nothing to help my score, and that was with depositing a $15,000 cheque in my savings account. your best bet is, don't ever put a balance on that fucking thing, pay it off right away, CC's are a fucking scam and need to be stopped Quote Link to post Share on other sites
SheepKilla 473 Posted September 10, 2020 Author Share Posted September 10, 2020 11 hours ago, Bodycount N said: i have an $11,200 limit and remember taking a beating when i had put a $4000 purchase on there, with an existing balance of $~2000. I immediately put $4000 on it the next month but it did nothing to help my score, and that was with depositing a $15,000 cheque in my savings account. your best bet is, don't ever put a balance on that fucking thing, pay it off right away, CC's are a fucking scam and need to be stopped Your credit score doesn't immediately update, and never takes savings into account. Your score went back up after paying it but took a while to update. also, if you are depositing $15k checks to make $4k payments, how is your limit only $11k? Quote Link to post Share on other sites
SheepKilla 473 Posted September 27, 2020 Author Share Posted September 27, 2020 Just opened 2 checking accounts (mine and a family member's) for Capital One's spend $300, get $100 back. I'm going to spend 600 to get 200 back on my banking loans. And just a few days ago, my $75 bonus for direct deposit hit on another newly opened bank account. Living the dream. Quote Link to post Share on other sites
102020393023445948594 2,223 Posted September 27, 2020 Share Posted September 27, 2020 Officially debt free. Now I just need to avoid buying shit for the next month, then it’s a new tv and a PS5 in November Quote Link to post Share on other sites
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