Stop in for a cup of coffee

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Had a friend that played the credit card shuffle like that. He could never figure out why he could never get the debt paid off. :BangHead::BangHead::BangHead:
I didn't 'play' them. But did run some up when I was out of work and then didn't get back in at the income I had previous. Only have a couple small ones active now. But have a couple old ones in collection. On the bright side, having a low score they won't give you much credit to run up. :rolleyes:
 
I didn't 'play' them. But did run some up when I was out of work and then didn't get back in at the income I had previous. Only have a couple small ones active now. But have a couple old ones in collection. On the bright side, having a low score they won't give you much credit to run up. :rolleyes:
Getting a high score is tough, but lowering it is easy!!!!
 
Getting a high score is tough, but lowering it is easy!!!!
For sure. I was always well into 700s. Couple accounts went over 60 days and very quickly dropped to mid 400s :eek: Has slowly climbed back most of it with all 'current' bills paid on time. Hoping to break 700 again soon as some of these old accounts drop off...
 
For sure. I was always well into 700s. Couple accounts went over 60 days and very quickly dropped to mid 400s :eek: Has slowly climbed back most of it with all 'current' bills paid on time. Hoping to break 700 again soon as some of these old accounts drop off...
I made it to 803.
 
My credit score has tanked, BIG time!! for no reason, no changes, Strange.....Actually I paid off my 5th wheel, so.......I think it has to do with the only debt I have is credit card.....
We paid off my wife’s car last month... balances went down in everything else.
But our score dropped 15 points... like wtf
 
For sure. I was always well into 700s. Couple accounts went over 60 days and very quickly dropped to mid 400s :eek: Has slowly climbed back most of it with all 'current' bills paid on time. Hoping to break 700 again soon as some of these old accounts drop off...
Mine fell out of the 8's into the upper 7's after I paid off the car. Now all I have is home mortgage. They suggest I get a credit card to improve my score..
 
Mine fell out of the 8's into the upper 7's after I paid off the car. Now all I have is home mortgage. They suggest I get a credit card to improve my score..
Yep. Mine didn’t climb back much till I got a couple cards active. They want you to have it, but low percentage of usage...
 
Don’t need no stinkin credit. We should have the house paid off in 3 years. Amazing how many people do not carry cash anymore. I usually have no less than a hundred in my wallet. Not going to mention my safe. . I really like my new safe. My wife and I were in about 100k credit card debt at one time. Paid it all back. That was a great feeling.
 
No, was told by American Express, the Covid has lowered millions of scores. Banks are afraid people will have a tougher time repaying debt in the near future....
We’ve been told similar by more than one bank
 
Don’t need no stinkin credit. We should have the house paid off in 3 years. Amazing how many people do not carry cash anymore. I usually have no less than a hundred in my wallet. Not going to mention my safe. . I really like my new safe. My wife and I were in about 100k credit card debt at one time. Paid it all back. That was a great feeling.
Currently, I don’t need it. But I will probably get another driver car at some point and want to partially finance. Same with another house at some point. Need the score or will get killed on those. We use the Home Depot card as a revolving account for anything to fix the house etc and have one other low limit card. Made a huge difference in scores after both were active a couple months.
 
That one doesnt bother me. ..Depending on context. I just see it as redneck phonetics. I would write it as a properly spelled contraction-'merica (I have already) Not necessarily disrespectful. I mean really 'America' is already short for United States of America. So shortening to the way many pronounce it is not offensive to me.


Why is the word abbreviate so long???? :rolleyes:
 

Don't steal 2.jpg
 
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