Author Topic: Getting Approved For A CC With A Soft Pull  (Read 12127 times)

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #105 on: December 16, 2015, 05:45:39 PM »
DDFers are very knowledgable about rewards and not so much about credit reports and scoring.

That's my honest opinion.
Definitely. However, i feel that in a way, CB people are the other extreme. They like having perfect scores and high CL's to show off that great profile, but I'm sometimes unsure what exactly they are planning on using that great profile to do. They seem to like having huge CL's, and consider that a huge factor in what card to get, and seem sometimes hesitant to get new cards as apposed to getting a CLI on an old one because of the possible drag a new TL can have on their scores. DDFers are just the opposite. They know exactly what they want to do with that great profile, but are a bit unsure how to achieve it. Just IMHO.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #106 on: December 16, 2015, 05:51:42 PM »
Definitely. However, i feel that in a way, CB people are the other extreme. They like having perfect scores and high CL's to show off that great profile, but I'm sometimes unsure what exactly they are planning on using that great profile to do. They seem to like having huge CL's, and consider that a huge factor in what card to get, and seem sometimes hesitant to get new cards as apposed to getting a CLI on an old one because of the possible drag a new TL can have on their scores. DDFers are just the opposite. They know exactly what they want to do with that great profile, but are a bit unsure how to achieve it. Just IMHO.

Goals vary greatly on CB. Most people want a solid profile so that when the next credit crunch comes, a CLD by a few issuers won't be a big deal. It has happened and will happen. The time to get credit is when you don't need it.

Some are happy with a handful of cards and others have 200+. Some want to maintain high credit score and don't care about rewards and others want to get all they can from their credit.

Of course having high scores and never taking them for a test drive is boring.

If you have super prime scores though, you are only limited by your income.


Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #107 on: December 16, 2015, 10:14:58 PM »
Definitely. However, i feel that in a way, CB people are the other extreme. They like having perfect scores and high CL's to show off that great profile, but I'm sometimes unsure what exactly they are planning on using that great profile to do. They seem to like having huge CL's, and consider that a huge factor in what card to get, and seem sometimes hesitant to get new cards as apposed to getting a CLI on an old one because of the possible drag a new TL can have on their scores. DDFers are just the opposite. They know exactly what they want to do with that great profile, but are a bit unsure how to achieve it. Just IMHO.

I must say that DDF is a very friendly forum compared to CB... There have been some mod issues and there are ridiculous threads that come up. Even members that are major contributors don't always get the respect they deserve. TBH, I don't always feel comfortable and a few members get terribly on my nerves. There are definitely more knowledgeable members on CB than me. However, I'm in no way a starter when it comes to credit. I try to contribute any new knowledge when available, but I absolutely hate being bashed. I've learned to stop being so sensitive.

If I even helped one person even in a 10,000 page thread, I feel like I accomplished.




Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #108 on: December 16, 2015, 10:23:15 PM »
I must say that DDF is a very friendly forum compared to CB... There have been some mod issues and there are ridiculous threads that come up. Even members that are major contributors don't always get the respect they deserve. TBH, I don't always feel comfortable and a few members get terribly on my nerves. There are definitely more knowledgeable members on CB than me. However, I'm in no way a starter when it comes to credit. I try to contribute any new knowledge when available, but I absolutely hate being bashed. I've learned to stop being so sensitive.

If I even helped one person even in a 10,000 page thread, I feel like I accomplished.
I'm sorry to hear that there are bashers. Please don't take them to heart. (I hope I'm not one of them.)
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #109 on: December 16, 2015, 10:48:21 PM »
I'm sorry to hear that there are bashers. Please don't take them to heart. (I hope I'm not one of them.)

Nah... You're good , but I was referring to CB not DDF..  ;)

My main issue from almost all my posts is that I'm misunderstood.

 I think I need the grammar police on my case.

I'm sure you noticed that even though I know what I'm talking about most the time, the way I explain things are very odd.


Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #110 on: December 16, 2015, 10:50:22 PM »
It's got me into a lot of fights because I can't explain myself very well...

It sucks to not be able to speak proper English

Offline ydf

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Re: Getting Approved For A CC With A Soft Pull
« Reply #111 on: December 16, 2015, 11:39:52 PM »
It's got me into a lot of fights because I can't explain myself very well...

It sucks to not be able to speak proper English
great to have ppl here like u and mendelssoh, i think u can also contribute alot to the idea mendelssohn brought up on the credit score forum regarding opening here a credit score master thread

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #112 on: December 16, 2015, 11:48:08 PM »
great to have ppl here like u and mendelssoh, i think u can also contribute alot to the idea mendelssohn brought up on the credit score forum regarding opening here a credit score master thread

I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted

Offline ydf

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Re: Getting Approved For A CC With A Soft Pull
« Reply #113 on: December 16, 2015, 11:59:35 PM »
I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
should we stay tuned? A different type... I hope its related to credit scoring issues
and if i may ask why r u exhausted?

Offline yakrot

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Re: Getting Approved For A CC With A Soft Pull
« Reply #114 on: December 17, 2015, 12:00:12 AM »

I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
looking forward

Offline Marko Rubio

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Re: Getting Approved For A CC With A Soft Pull
« Reply #115 on: December 17, 2015, 12:04:12 AM »
I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
cant wait!, i guess u wana do the same thing mendelssohn wants to do here CMIIW
Do u have any different idea for a signature?

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #116 on: December 17, 2015, 12:50:05 AM »


if i may ask why r u exhausted?
Because it's late! What kind of question is that?

Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Hidden

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Re: Getting Approved For A CC With A Soft Pull
« Reply #117 on: December 17, 2015, 06:07:41 PM »
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #118 on: December 17, 2015, 06:08:36 PM »
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link
A) don't believe everything you read.
B) why can't you link on Tapatalk?
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #119 on: December 17, 2015, 06:11:17 PM »
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link

Then DOC doesn't know how to do it properly.