Nextcard and hard inquiries

Marie,


You're a winner. Why are you still bothering w/ these losers?


Saar

 

"HARD" for what?
Credit limit increase?

I ask them every few months for a limit increase...I say "NO CREDIT REPORT OR DON'T BOTHER"

They do AR'S once or twice EVERY month...THEY DON'T NEED ANY HARDS!!!

 

One itty-bitty point of order: A "winner" can do business with a "loser" and still be a "winner." (Conversely, a "loser" can do business with a "winner" and still be a "loser.") I'm not sure we can judge human winnership (losership?) on the basis of which credit cards one happens to carry. Am I a better man now that I carry AmEx Blue and Chase Platinum than when I only had Kmart MasterCard and Providian?

Doc

 

No. Those of us who achieved good credit were always winners. Unfortunately, the world didn't know about it until they did

And no, winner consumers have no business with loser banks. Can you associate a winner with someone doing business with Cross Country Bank?




Saar

 

Uh, yeah, I know one winner who has a Cross Country Bank card -- my best friend.

Seriously, there's an important point I'd like to make. One of the biggest pitfalls of succeeding in almost any endeavor is the tendency for most people to become elitist and maybe even arrogant as they celebrate their success. So, for example, while we're clawing our way up out of subprime hell, we're thrilled to get a secured Capital One card. Once we've disputed and sued and contested and white-lied and begged our way to clean credit reports, we'd rather eat lemur doo-doo than carry a secured card. (Ok, maybe not LEMUR doo-doo.) Soon enough we're cahoots'ing with others who crawled their way up the same time we did, declaring them "winners" -- as if to differentiate them from others who are, one might suppose, the opposite of winners. At that point, we're alienating at least a few people -- good people -- winners -- who are still scrambling their way out of the sub-basement.

I've got a better example -- our treasured Volunteer Football Team (the "Vols"). We beat Florida, the #2 team in the country, just a couple of weeks ago. Florida then sailed down the rankings, and we (I live in Vols country) took over the #2 spot. Then what happened? The Vols began to think of themselves as "winners" who were bound, of course, to defeat LSU, sail to an SEC championship and then to a probable national victory. Of course LSU humiliated the Vols last weekend and dashed our chances for a shot at the NCAA championship. That's the stuff labels are made of.

(And Hermit5 thought I didn't like football because I'm an academic. Hah.)

Doc

 

sorry Doc but I take exception to the

"a probable national victory" comment.

I find it highly unlikely that Tenn, your Vols would have had a probable victory against University of Miami.

LOL


Cypri

 

Uh-oh, Cypri, them's fightin' wurds.

You guys are ganging up on me. I think I'll Creditnet suicide. (Well for tonight anyway. Nite.)

Doc

 

Doc,

I must have done a terrible job explaining my position, as that post of yours has dealt with a topic completely unrelated.

You're taking the subprime example of a secured Cap One, and supposedly some of us, having reached a certain point, feel superior to those who hold that card. That is so untrue.

Being a "winner" is not about never having to deal with hard times or the subprime situations of life. It's about making the best possible choice each and every step of the way. And yes, if that subprime consumer has made an INFORMED decision and chose a reputable lender to do business with while in subprime kingdom, then yes, I'd say he may well be on his way to success, even if he's only made the first step toward it. Rome wasn't built in a day.


Saar

 

So, Saar, you admit the Vols should have won against LSU and subsequently against Miami. Thank you. See, Cypri, Saar proved my point.

Doc

P.S. This is what happens to intellect after a full night of interrupted sleep thanks to a 6 month old girl who clearly believes that nighttime is partytime.

 

I knew you'd use that against me! LOL

You're putting me in a verry difficult position, Doc.
See, I'm having similar symptoms, but no daughter to blame. Can you offer anyone else I can blame this on? Thanks!


Saar

 

Blame your wife. That works most of the time in most situations.

Doc

 

I know you two are setting a trap,, but I will take the bait anyway.

By the way, Doc:
"So, Saar, you admit the Vols should have won against LSU and subsequently against Miami. Thank you. See, Cypri, Saar proved my point.

No, them sum fightin' wurds!

No Doc see you missed the point, because you see UM are winners and always have been and the whole word will know this on Jan. 3, 2002, regardless of who they play or would have played (i.e. Nebraska, Tennessee and of course them Gators,,,,lol)


As for you Saar: Please clarify your position and your factual basis for this Sir,,lol!

Cypri

 

TO Doc and Saar:

I get called out this morning and you don't have response, what is that ?

I guess you both must already know,,


Cypri