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/biz/ - Business & Finance

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11223800 No.11223800 [Reply] [Original]

>Apply for credit card
>Credit score goes down cuz of inquiry

>> No.11223874
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11223874

>>11223800
a lazy breeze will cause your score to go down. don't sweat it

>> No.11223883

You just got goy'd. Nothing personal, goyim.

>> No.11223917

>>11223874
How long would it take to get above 700? Idk if the FICO score is just like the Vantage score, but I just started building credit. Took out a credit builder loan and applied for a few credit cards. My score is about 650 right now but I have very limited credit history.

>> No.11223941

>pay off 5 digit credit debt off in one payment
>credit score drops 10 points

credit is the gayest fucking shit ever.

>> No.11223949

>>11223800
is it true you need to have a good credit score to rent a flat in america?
so basically if you never got in debt you're fucked?

>> No.11223959

>>11223941
same thing happened to me, they want you to have a lot of accounts and when you pay them off the accounts close. it's so fucking gay

>> No.11223964

>>11223949
is it not the same where youre from?

>> No.11223966
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11223966

>>11223800
>apply for amazon visa card
>no credit history
>instantly declined

I mean I was expecting it but shit it makes me feel like a loser

>> No.11223969
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11223969

credit is a sick game
>be a good little debt slave goy

>> No.11223981

>>11223949
yeah, im an immigrant in america and im finding it so hard to find an apartment to rent cuz of my limited credit history. (literally just got a score last week so maybe ill have a better chance)

>> No.11223982

>>11223941

I know someone who payed off the 2k in student loans he graduated with in a single payment and saw his score drop 80 points because MUH AVERAGE ACCOUNT AGE.

It’s a retarded system where you can only maintain a consistently high score by perpetually being in debt.

>> No.11224001

>be 24
>750 credit score
>50k credit card limit
>Get low Interest loans all the time to invest or just because

Comfy

>> No.11224003

>>11223964
no, I'm in Poland and if you have 3 months worth of rent for a security deposit it's enough to rent anywhere.
Nobody asks about your job or checks your credit.
I am 28 and was literally never in debt, no credit history and zero problems.
If you have bad credit score you won't get things like mobile subscription though and have to rely on prepaid. Prepaid offers are usually much better anyway, better competition.
If you have no credit score they ask for pay slips.
Mobile subscription is literally the only normal thing that does that I think.

>> No.11224014

>>11223969
>not using someone else's money to pay for my monthly spending
>not acquiring free flights every 2-3 months
it's only sick if you actually pay interest. Otherwise, you actually make money from it

>> No.11224018

>>11223969
Only if you're an idiot who doesn't know how to use it responsibly (which I'll grant is most people). If you're ever paying interest or making purchases that you can't immediately pay off you'll never make it. I use my credit card for pretty much everything though and pay it off every month. It's both convenient and has built-in fraud/theft protection. I also get points.

>> No.11224025
File: 32 KB, 461x328, Screen Shot 2018-09-26 at 10.02.56 PM.png [View same] [iqdb] [saucenao] [google]
11224025

>>11223800

I have about 100k in available credit, just got 2 cards with 25k limits. pay them off every month and get tons of cash back and miles

>> No.11224031

>>11223800
My credit score bounces from 750-820 all the time bro, don't sweat it.

>> No.11224034

>>11224014
>>11224018
yeah that's fine, most people don't and that's what I'm referring to. get off your high horse faggots.

>> No.11224059

>>11223917
a year, if that.
open credit cards all at once (like 10). use one. pay it off every month and reap rewards.
>credit score 810

>> No.11224077

>>11224059
kek, i can't open 10 at once bro. The only cards that I'm approved for right now are a Kohl's card (the guy at the counter helped me lie to get it - $300 limit) and a secured card ($200 limit). Every other card I've applied to I just get rejected.

>> No.11224090

>>11224077
My bank literally throws credit cards at me, and keeps increasing my limit randomly. I'm up to like $5k. I haven't even had a steady income in years. It's weird.

>> No.11224092

>>11223966
This is like when an ugly girl rejects you. You're too unattractive to even be a debt slave.

>> No.11224114

>>11224077
you have the perfect starter card. use it if you can. ask for a credit increase every 6 months. use creditkarma.

>> No.11224156

>>11224114
thx bro. btw should I try to use all my cards a bit or is it fine to just use one? And what exactly is credit utilization? Does that only apply if I carry a balance? (I always pay off my shit immediately).

>> No.11224164

>wanting a credit card

What are you, some kinda boomer?

>> No.11224178

>>11224164
I don't want/need one, but it's essential for building credit.

>> No.11224185

>>11223981
>Have to get in debt with your jewish overlords just to be able to live somewhere
>Land of the free

>> No.11224788

>>11224001
How do you pay them tho?

>> No.11224849

>>11224788
just whore yourself out to 50 really fat chicks for $1,000 each

>> No.11224881

>>11223800
goes down temporarily but will help in the long run as long as you aren't retarded with it

https://www.youtube.com/watch?v=2lqdErI9uss

>> No.11224947

credit scores are a scam. just one more reason we need to fire up the gas chambers

>> No.11224972

>>11224059
I was talking to a mortgage lender today who said you should utilize each card every month you have to keep them active. Not sure if this is biz broscience or what but I’m going to do it.

>1 year of credit
>credit score of 731
I think that’s good. Never missed a payment....

>> No.11225025
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11225025

Good goys general?

>> No.11225076
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11225076

I got denied a credit card recently because they consider the combined credit limit on all my other cards to be too high. What type of bullshit is that?
My combined credit limit is $126,000

>> No.11225089

Just pay your bills you dumbasses..

use your CC only when you have enough money to pay the bill straight away.

t. 780 credit never paid a cent of interest

>> No.11225122

>>11224849
They spend all their money on food