Ego, Credit & Self Esteem

Thank you for saying it Mark... I guess I was taken back and a bit offended by the previous comments on my post for this very reason... I am NOT going to tell my co-workers or friends or even my family about what kind of credit cards and limits I have. I will NOT discuss with them my recent credit scores or victories against some CA or OC. But this is a forum about credit and I feel like I should be free to discuss these things here and I hope everyone else does too. I will admit sometimes, when I read a post about someone getting a 15K limit with Amex or Chase or BofA... I feel a tinge, just a tinge of jealousy. But it is not the bad kind of jealousy, like "quite your braggin', you windbag"... its the kind that makes me say, " Congrats! I hope to make it to the top someday, too!" And thanks to this board, I know I will.

 

There is no shame in a $300 card if you have no credit, or a poor credit history. When I was 18 I recieved cards with $300-1500 limits and was very happy with them. They are a necessary part of building credit history. However once your credit history ages and you get accustomed to high credit limits and low APR's, you become insulted by the lower limit cards. It is not a knock on those trying to establish or reestablish their credit, nor is it bragging, I think of it as just a point of view.

 

So where is the 25k card? If you'll remember when you "fell off the wagon" I told ya to go for 200k. There was a guy on another site that had 252k in CL's. I copied that page of his detail in cards for MY inspiration. Charlie

 

Originally posted by Mark LA
Yes, I'm going there (in response to the "don't go there girlfriend!" thought I had before writing this - little stream of consciousness never hurt nobody
Regarding a previous "wimpy credit limit" post:
let's keep it real, shall we?
Ego and self esteem have alot to do with acquiring credit. So what?
Ego and self esteem motivate you in most areas of life. So what?

While I think it's tacky to run out and tell all your firends about the new platinum card you just got with a 25k limit - I think it's fine to post it here - on this site - called CREDITNET - and - yes - even brag a bit if it makes you feel good.

(And - yes - a $300 HH card - IS a wimpy credit limit.)


Well, all I've got to say is....

It's not the size of the credit limit that matters.
It's how well you use it and don't abuse it. ;--)

 

Excuse me! That's what I've been told all my life!!! Charlie

 

Mark LA, San Fran or Anaheim? I wanted Oakland, but I want San Fran now for Bonds sake. Charlie

 

Oh boy I knew it would not be long before someone could not let it go. Again I really dont care if you guys agree with me or not. I posted what I thought about the post and thats that. I am here to get help and help anyone that I can I do not hold it against you guys that you dont agree with me and I hope that you will not hold it against me that I dont agree with you.

 

DOITMYSELF, I don't understand what you are talking about. Am I missing something? Charlie

 

We shouldn't call $300 credit limits "TOY" cards because some people would love to have a $300 limit card...


...BUT THE DEFINITION OF A "TOY" CARD IS 80% LOWER THAN YOUR LOWEST LIMIT...SO SOMEBODY THAT HAS A $300 CARD WOULD BE HAPPY WITH A $60 LIMIT CARD???

 

If I got a $60 limit card if I had a $300 card I would cut that card in 6 rows by 10 rows...60 PIECES I would send it back to them...CERTIFIED R/R!!!

 

There are alot of people (like me) who couldn't even get a card before they came to this board. I agree. Never forget where you came from. Charlie

 

But the question of the day is...WOULD YOU ACCEPT A $60 CARD IF YOU HAD A COUPLE OF $300 CARDS???

 

No, but I'd take a 6k card if I had a 30k card, so yes. Charlie

 

...BUT would you take a $6,000 card if ALL your OTHER cards were $30,000+???

 

The REAL question is, would you feel free to come onto CREDITNET and 1.) gripe about getting a $60 credit limit OR 2.) announce that you just got a 30K credit limit?

 

I probably would take the 6k card. I would need to keep my socks warm, wouldn't I?I posted a post from a guy that had 250k in CC's, and if you look he had a couple of 1k cards. Charlie

 

charlieslex:
Never forget where you came from hmmm I like that

 

I think there is more to George's story and credit than he tells us...I've seen people with newer credit history have MUCH higher scores than him. He isn't telling all, furthermore he spends more time posting 5 times to each message about his own perfect 24+ yrs perfect history etc etc. If his credit is so good and he can afford to pay them $34K in 2 months WHY IS HE HERE? to whine, complain and brag..

 

No fair to attack GEORGE, he is a long standing, respected member of the CREDITNET family. Are you just asking to get slammed here, or what?