SheepKilla 473 Posted September 7, 2020 Author Share Posted September 7, 2020 8 minutes ago, Saucer said: We're doing Credit Score Wars now? LMAO Link to post Share on other sites
lynux3 2,486 Posted September 7, 2020 Share Posted September 7, 2020 834 Link to post Share on other sites
Long Ball Larry 1,385 Posted September 7, 2020 Share Posted September 7, 2020 The real question is what’s your credit limit? Link to post Share on other sites
Cooke 2,066 Posted September 7, 2020 Share Posted September 7, 2020 1 minute ago, ghostz life matters said: The real question is what’s your credit limit? 30k Link to post Share on other sites
kaz 2,507 Posted September 7, 2020 Share Posted September 7, 2020 im rich, i don't care about such frivolous matters Link to post Share on other sites
SheepKilla 473 Posted September 7, 2020 Author Share Posted September 7, 2020 2 hours ago, ghostz life matters said: The real question is what’s your credit limit? With all my cards combined I have literally lost count. Combined its probably well over $100,000. Link to post Share on other sites
Twinblade★ 4,237 Posted September 8, 2020 Share Posted September 8, 2020 only 644. I always pay my bills on time and shit, but im using low limit credit cards which I think is causing it to plummet because I always end up coming close to my credit limit. 1 Link to post Share on other sites
Cooke 2,066 Posted September 8, 2020 Share Posted September 8, 2020 Just now, Twinblade said: only 644. I always pay my bills on time and shit, but im using low limit credit cards which I think is causing it to plummet because I always end up coming close to my credit limit. Yes if you're over 30% of your credit card limit it will lower your score. Link to post Share on other sites
Goukosan 2,460 Posted September 8, 2020 Share Posted September 8, 2020 800 on the dot Link to post Share on other sites
Goukosan 2,460 Posted September 8, 2020 Share Posted September 8, 2020 (edited) 23 minutes ago, Twinblade said: only 644. I always pay my bills on time and shit, but im using low limit credit cards which I think is causing it to plummet because I always end up coming close to my credit limit. It's about what percentage of your available credit that you are using/managing effectively. Over 30% and your score takes a nose dive. Edited September 8, 2020 by Goukosan Link to post Share on other sites
roflpwnedz 289 Posted September 8, 2020 Share Posted September 8, 2020 But it doesn't matter cause I won't get higher limits if I'm not making a lot of money. Kind of why I can't get a mortgage ;( Also, it's a hassle managing all the cards and putting them to use. I've had 1 account closed cause I didn't use it and a few others almost closed. Link to post Share on other sites
Twinblade★ 4,237 Posted September 8, 2020 Share Posted September 8, 2020 32 minutes ago, Cooke (not admin cant help said: Yes if you're over 30% of your credit card limit it will lower your score. 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? Link to post Share on other sites
Goukosan 2,460 Posted September 8, 2020 Share Posted September 8, 2020 4 minutes ago, 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? You're joking right? Link to post Share on other sites
lynux3 2,486 Posted September 8, 2020 Share Posted September 8, 2020 6 minutes ago, 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? Link to post Share on other sites
Cooke 2,066 Posted September 8, 2020 Share Posted September 8, 2020 8 minutes ago, 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? The person with the 10k limit usually is I'm a better position financially to pay it off.. That's why the limit is higher. Link to post Share on other sites
Goukosan 2,460 Posted September 8, 2020 Share Posted September 8, 2020 Just now, lynux3 said: How can a grown ass man not know how credit works Link to post Share on other sites
lynux3 2,486 Posted September 8, 2020 Share Posted September 8, 2020 2 minutes ago, Goukosan said: How can a grown ass man not know how credit works He never ceases to amaze; dude legit says the dumbest shit, doesn't matter the subject. Link to post Share on other sites
Twinblade★ 4,237 Posted September 8, 2020 Share Posted September 8, 2020 18 minutes ago, Cooke (not admin cant help said: The person with the 10k limit usually is I'm a better position financially to pay it off.. That's why the limit is higher. 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. Link to post Share on other sites
roflpwnedz 289 Posted September 8, 2020 Share Posted September 8, 2020 Life isn't fair or logical 1 Link to post Share on other sites
Goukosan 2,460 Posted September 8, 2020 Share Posted September 8, 2020 20 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. So to prove your point you use someone who mismanaged their credit? and Twinblade doubles down on the stupidity Link to post Share on other sites
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