Re: Two card you want to know about Credit scoring wise is it better to have a CITIBANK and/or MBNA opposed to other credit cards. Does it have more prestige which enables a higher credit score?
Re: Two card you want to know about Because of the name? No. Because people (with exceptions) with prime cards generally have higher credit lines than those with subprime cards? Yes.
Re: Two card you want to know about SO...I guess ONLY the "NEWBIE'S" should be able to post any information... I guess I will just "LURK" since the RULES have changed... BYE
Re: Two card you want to know about Saar, George, among others, are helping. Had it not been for Saar or George (possibly both) posting about applying for the Citi AA cards, I never would have applied. Had it not been for people on this board posting about millcbs.com, I never would have known that my Equifax scores were good enough to get the Citi AA cards, or that I should get the silver and then apply right away for the gold. I have learned about the AMEX line of credit here. I am still in the process of rebuilding and repairing. Newbie or not, we are all at different points in the process. And quite honestly, people like Saar and George have a wealth of knowledge when it comes to available credit products. I have a binder with postings I have printed out for future reference--when the reports are clean and all the scores are over 700! cariba
Re: Two card you want to know about Oh please. George, your posts are informative. Don't screw the rest of us because one person is upset with the terminolgy that some posters use. I'm not making any judgments one way or the other on Sean's complaints, however, posting a mini manifesto saying Bye is just silly. I actually thought there was only one person who posted here who thought they towered over everyone else. Now they're suspended and there's no doodoo to wade through in posts. I rather like it.
Re: Two card you want to know about George I am going to quote something you have said on more than one occassion: "REQUEST DENIED"
Re: Two card you want to know about Saar: Don't let this silly stuff get you down. Keep up the good, studious work. You've helped a lot of people on this board. I'm one of them. Mo
Re: Two card you want to know about (THIRD RESPONSE FIRST TWO GOT LOST IN CYBER-SPACE) MINI MANIFESTO? I'M SILLY...
Re: Two card you want to know about Denied, huh. I wonder if there's a 800 number for reconsideration? Can George's executive assistant override denials? Saar
Re: Two card you want to know about I have given George's request serious consideration, and as much as I'd like to be able to approve his request, I must decline. There is no room for reconsideration. I am the top of the line. disclaimer - we obtained information about George from creditnet. They did not make the decision. The decision was made solely by me. You are entitle to know the info creditnet has about you. You can obtain this info at http://board.creditnet.com/list.php3?num=1
Re: Two card you want to know about It's time for another 50 minutes of Creditnet psychotherapy. I'm your host. Here goes: There is a tendency for a few (although not most) people to become pretty arrogant and rude as they graduate from "newbie" to "old-timer." That's just human nature for some people, and it's true in every aspect of life -- not just Creditnet. So, for example, the friendly new coach who is open to suggestions sometimes becomes less open to those suggestions just a year or two into things. The reason: narcissistic injury, i.e., "Don't these people understand that I know what I'm doing? I've been doing this for quite awhile. How dare they question what I know." If that person was a little bit happier with themselves to begin with and had just a bit more self-confidence, then there would be no need for him or her to become insulted just because somebody disagrees or asks questions. In the worst cases of narcissistic injury, the person actually becomes arrogant and rude even in the presence of someone with less experience so that it will be clear to everyone which person is the "expert." You often see that in work settings where, for example, one "old-timer" will whisper to another "old-timer" something like, "See Maureen over there? She started last Thursday and knows NOTHING. It's just amazing how they're hiring complete idiots now." Again, if that person was more secure in themselves, the comment would serve no psychological purpose and would have never occurred. I was a victim of someone's narcissistic injury recently here on Creditnet when I posted some information someone else really needed and an "old-timer" responded by invoking the "that's old news" insult. I basically rolled with that punch by playing with the person who said that just a bit, and really that's about the only way to handle people like that. Your other alternative is to say nothing, and in many cases that's the best approach as well. So, let's sum up our session before you pay the receptionist: 1) Life online is pretty much like life offline. You've got mostly nice people and a few jerks no matter where you go. 2) There will always be a few "old-timers" in any setting -- work, school, church, Creditnet, wherever, lol -- who easily suffer what psychologists term "narcissistic injury." These people need to demean others in order to remind themselves and others of their basic worth. It's important to keep in mind that people who suffer such injuries are not trying to be bad or evil or mean-spirited, etc., but rather they are simply engaging in self-preservation the best way they know how at this point in their lives. 3) It's also important to remember that people like that are in the minority. Never assume that most "old-timers" feel any animosity whatsoever toward new arrivals. To the contrary, most "old-timers" in most settings IDENTIFY WITH the newbies because they remember very well where they were not too long ago. 4) The best way to handle injured types is with humor when you can. Otherwise, it's best to simply ignore them and not allow them to injure your own self-esteem, because then you'll simply be in a position to turn around and do the same to others when you become an "old-timer." Abuse tends to propagate itself, and that's true whether we're discussing parenting, or supervision on the job, or dealing with others in social settings. Ok, it's time to stop the session. What? Oh sure, just leave the check right here on the desk, that's fine. See you next week. Doc
Re: Two card you want to know about I'm a little confused on how this whole thread got so off track. I find Saar's post very helpful. Many of the threads posted on this board are for credit repair, but how come those with good credit can't find useful information here? Concerning the term "regulars" vs. "newbies" I believe we're putting too much emphasis on that. We've all been newbies at some time. And while there are people on this board whose ego could be taken down a peg or two, just overlook them. But, I find there are several posters who offer useful information to us all "newbies" and "regulars" alike and the last thing we need is another flame war. Dani
Re: Two card you want to know about I find it fascinating that instead of attributing a simple idea of "one who's been here a little longer" to the word "Reg", so many people find it offensive or threatening. I listen to older (or more experienced) people many times as I find them wiser than I am. I've never taken offense from anyone who has offered me to learn from their experience. To me, being old or an old-timer in no way represents any idea of superiority. I may know more about credit that the average "newbie" here, but that newbie may be a whole lot better than me in many other respects. Yet I see nothing wrong with using this (overly discussed) term to show my appreciation to, well, old-timers who have offered invaluable advice here. If anyone is offended by my use of any word that in his/her view does not do justice to the situation, please disregard it. Just because I plan on being a lawyer, doesn't make me a God just yet. Though I can't make any promises regarding the final symptoms of the disease Doc, I will offset the counseling fee with any existing or future legal fee. I appreciate your understanding. If you find my mental health dangerous to the public, please do not hesitate to notify the proper authorities. I reserve the right to ask for a second opinion I promise not to resist being institutionalized, but you may have to untie me every once in a while. Saar
