My credit is fucked - Nubblies.net Forums

THEINCREDIBLEdork · 10-20-2011, 06:56 PM

A year and a half ago I accepted a preapproved credit card to try to build my credit. I was surprised when I was charged a 45 dollar membership fee for a 500 dollar card. I only ended up using the card once and its been sitting in my drawer unused for 9 months.

Since I don't use the card I auto-throwaway everything I get from Capitol One because more than half the time it's just another offer/spam.

I found out that I had delinquency on my credit report when I got denied increasing my limit on the card I actually use and pay off every month. I went online to get my free credit report and see 4 months of non-payment. They charged me another membership fee and have been charging me late fees and interest on it for four months. No phone calls, no emails saying "hey, you might wanna take care of this."

My credit score dropped 100 points in 4 months.

Fuck Capitol One.

Mr. Blonde · 10-20-2011, 07:14 PM

Same thing happened to me earlier this year with Capital One cards. Pretty fucking annoyed myself. Kept it paid off and got charged fees for the surprise membership fee.

Ugly Bastard · 10-21-2011, 01:15 AM

Credit card companies are Satan. Watch Maxed Out sometime if you feel like getting real fired up about it.

DDTempest · 10-21-2011, 08:35 AM

Or you could just be grown ups and pay attention to what you sign up for. I am personally pretty happy with my credit card ... I've never paid a single cent in annual fees or interest and I've been given over $1000 in cash back over the last 6.5 years that I've had it.

I find most people that complain about credit cards do so because they don't pay attention ...

f3lix · 10-22-2011, 09:46 AM

And most people don't realize they have been paying a lot more for goods because companies charge higher prices due to having to pay credit card companies for their service. That $1,000 cash back... not so much.

angry pancake · 10-22-2011, 12:34 PM

Quote:

Originally Posted by Ugly Bastard

Watch Maxed Out sometime if you feel like getting real fired up about it.

A friend of mine (Jerry Jarzombek)who does some of the same type of work as me is in that movie. Says they spent 4 days interviewing him and following him around and cut almost all of him out after that kid committed suicide post production.

THEINCREDIBLEdork · 10-22-2011, 01:03 PM

Quote:

Originally Posted by DDTempest

Or you could just be grown ups and pay attention to what you sign up for. I am personally pretty happy with my credit card ... I've never paid a single cent in annual fees or interest and I've been given over $1000 in cash back over the last 6.5 years that I've had it.

I find most people that complain about credit cards do so because they don't pay attention ...

1000 over 6 and a half years?? As felix mentioned, your .001% cash back rewards don't make even on what the retailer charges you extra to pay for the ability to accept your credit card. Next time I need a K I'll just shake my dick.

Ugly Bastard · 10-22-2011, 05:32 PM

Quote:

Originally Posted by angry pancake

A friend of mine (Jerry Jarzombek)who does some of the same type of work as me is in that movie. Says they spent 4 days interviewing him and following him around and cut almost all of him out after that kid committed suicide post production.

Wow crazy. Yea I don't really remember much/any tracking of how credit cards affect real life stories.

DDTempest · 10-22-2011, 08:25 PM

Quote:

Originally Posted by f3lix

And most people don't realize they have been paying a lot more for goods because companies charge higher prices due to having to pay credit card companies for their service. That $1,000 cash back... not so much.

The $1,000 cash back I got for using my credit card is $1,000 more cash back than you got for using cash ... the prices are raised regardless of your method of payment. Other things that raise the price of your goods: websites, Iphone apps, debit cards, EBT, liquor licenses, etc.

Quote:

your .001% cash back rewards

I have not spent $1,000,000.00 on my credit card ...

f3lix · 10-22-2011, 09:51 PM

I'm seeing more and more places offering discounts for paying in cash, which is something I would like to see even more of.

THEINCREDIBLEdork · 10-22-2011, 11:22 PM

my fav pizza place charges $2 less if you pay w/ cash.

Ugly Bastard · 10-23-2011, 01:49 AM

Business could/should charge like 10% less if you pay in cash especially for stuff that's really hard to track like pizza. Tax free, baby!

ninjaface · 10-23-2011, 01:51 AM

That and human trafficking, i mean Come On!

Ugly Bastard · 10-23-2011, 09:58 AM

Ninjaface, have you ever thought about trying to build your comedy brand via Twitter? I think you could have a knack for funny 140 character stuff. Check out @robdelaney, @elibraden, and @jennyjohnsonhi5 for some examples of what I mean when I say Twitter humor. Could just be another channel through which to build up comedy career.

</threadhijack></lifeadvice>

ninjaface · 10-23-2011, 10:19 AM

Good advice. I've been trying to network lately and get to know some like minded people. Twitter has come up in conversations. I'll likely get one.

Orgazmo · 10-23-2011, 12:23 PM

Quote:

Originally Posted by f3lix

I'm seeing more and more places offering discounts for paying in cash, which is something I would like to see even more of.

Are you saying that you'd be satisfied if more and more and more places would start to do this? Or would you like to see even more than that?

f3lix · 10-23-2011, 03:56 PM

Clearly my words put into a solvable equation would appear:

even more(more + more)

ninjaface · 10-23-2011, 04:25 PM

Incorrect. Unsolvable.

THEINCREDIBLEdork · 10-23-2011, 05:47 PM

I solved it two months ago.

thekremlin · 10-23-2011, 05:51 PM

Insoluble.

DDTempest · 10-23-2011, 08:53 PM

Quote:

Originally Posted by f3lix

I'm seeing more and more places offering discounts for paying in cash, which is something I would like to see even more of.

You don't have credit do you? That's what all of this is about isn't it? You have 0 credit because you've never had to pay a bill yourself and never used a credit card?

Mr. Blonde · 10-23-2011, 10:15 PM

I have it on good word F3lix doesn't pay his own bills.

Orgazmo · 10-23-2011, 10:38 PM

F3lix? Care to weigh in on these nasty allegations?

Ugly Bastard · 10-23-2011, 10:51 PM

f3lix pays his bills.

Orgazmo · 10-23-2011, 11:15 PM

F3lix, word going around is that you neither pay your own bills nor argue on your own behalf.

Thoughts?

10-20-2011, 06:56 PM	#1 (permalink)
THEINCREDIBLEdork Emperor Meow Join Date: Sep 2004 Posts: 9,353 Internets: 290966	My credit is fucked A year and a half ago I accepted a preapproved credit card to try to build my credit. I was surprised when I was charged a 45 dollar membership fee for a 500 dollar card. I only ended up using the card once and its been sitting in my drawer unused for 9 months. Since I don't use the card I auto-throwaway everything I get from Capitol One because more than half the time it's just another offer/spam. I found out that I had delinquency on my credit report when I got denied increasing my limit on the card I actually use and pay off every month. I went online to get my free credit report and see 4 months of non-payment. They charged me another membership fee and have been charging me late fees and interest on it for four months. No phone calls, no emails saying "hey, you might wanna take care of this." My credit score dropped 100 points in 4 months. Fuck Capitol One.
	#YOLO

10-20-2011, 07:14 PM	#2 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	Same thing happened to me earlier this year with Capital One cards. Pretty fucking annoyed myself. Kept it paid off and got charged fees for the surprise membership fee.
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

10-22-2011, 11:22 PM	#11 (permalink)
THEINCREDIBLEdork Emperor Meow Join Date: Sep 2004 Posts: 9,353 Internets: 290966	my fav pizza place charges $2 less if you pay w/ cash.
	#YOLO

10-23-2011, 05:47 PM	#19 (permalink)
THEINCREDIBLEdork Emperor Meow Join Date: Sep 2004 Posts: 9,353 Internets: 290966	I solved it two months ago.
	#YOLO

10-23-2011, 10:15 PM	#22 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	I have it on good word F3lix doesn't pay his own bills.
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

10-21-2011, 01:15 AM	#3 (permalink)
Ugly Bastard Senior Member Join Date: Feb 2002 Location: U.S.A. Posts: 13,643 Internets: 247330	Credit card companies are Satan. Watch Maxed Out sometime if you feel like getting real fired up about it.

10-22-2011, 09:46 AM	#5 (permalink)
f3lix Gangnam Style Join Date: Oct 2003 Location: DH's Massage Parlor Posts: 6,383 Internets: 213510	And most people don't realize they have been paying a lot more for goods because companies charge higher prices due to having to pay credit card companies for their service. That $1,000 cash back... not so much.

10-22-2011, 09:51 PM	#10 (permalink)
f3lix Gangnam Style Join Date: Oct 2003 Location: DH's Massage Parlor Posts: 6,383 Internets: 213510	I'm seeing more and more places offering discounts for paying in cash, which is something I would like to see even more of.

10-23-2011, 01:49 AM	#12 (permalink)
Ugly Bastard Senior Member Join Date: Feb 2002 Location: U.S.A. Posts: 13,643 Internets: 247330	Business could/should charge like 10% less if you pay in cash especially for stuff that's really hard to track like pizza. Tax free, baby!

10-23-2011, 01:51 AM	#13 (permalink)
ninjaface Level 20 Holothetan Join Date: Dec 2002 Location: Space Posts: 5,245 Internets: 210144	That and human trafficking, i mean Come On!

10-23-2011, 09:58 AM	#14 (permalink)
Ugly Bastard Senior Member Join Date: Feb 2002 Location: U.S.A. Posts: 13,643 Internets: 247330	Ninjaface, have you ever thought about trying to build your comedy brand via Twitter? I think you could have a knack for funny 140 character stuff. Check out @robdelaney, @elibraden, and @jennyjohnsonhi5 for some examples of what I mean when I say Twitter humor. Could just be another channel through which to build up comedy career. </threadhijack></lifeadvice>

10-23-2011, 10:19 AM	#15 (permalink)
ninjaface Level 20 Holothetan Join Date: Dec 2002 Location: Space Posts: 5,245 Internets: 210144	Good advice. I've been trying to network lately and get to know some like minded people. Twitter has come up in conversations. I'll likely get one.

10-23-2011, 03:56 PM	#17 (permalink)
f3lix Gangnam Style Join Date: Oct 2003 Location: DH's Massage Parlor Posts: 6,383 Internets: 213510	Clearly my words put into a solvable equation would appear: even more(more + more)

10-23-2011, 04:25 PM	#18 (permalink)
ninjaface Level 20 Holothetan Join Date: Dec 2002 Location: Space Posts: 5,245 Internets: 210144	Incorrect. Unsolvable.

10-23-2011, 05:51 PM	#20 (permalink)
thekremlin Don't call me Shirley Join Date: Jun 2010 Location: London Posts: 3,271 Internets: 220249	Insoluble.

10-23-2011, 10:38 PM	#23 (permalink)
Orgazmo COME ON YOU YANKS Join Date: Feb 2002 Location: Indiana Posts: 15,733 Internets: 311447	F3lix? Care to weigh in on these nasty allegations?

10-23-2011, 10:51 PM	#24 (permalink)
Ugly Bastard Senior Member Join Date: Feb 2002 Location: U.S.A. Posts: 13,643 Internets: 247330	f3lix pays his bills.

10-23-2011, 11:15 PM	#25 (permalink)
Orgazmo COME ON YOU YANKS Join Date: Feb 2002 Location: Indiana Posts: 15,733 Internets: 311447	F3lix, word going around is that you neither pay your own bills nor argue on your own behalf. Thoughts?

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