Your Credit Score

[tnthomas]

I use credit cards merely so I don't have to write checks or carry wads of money. I pay the accumulated balance off each month.

I bought a new car a couple years ago, could have just paid cash, but didn't. The loan rate is something like 0.9%.

I don't know what my "credit score is, and don't care.

A credit score is arbitrary, and varies from one credit reporting agency to the other.

The credit agencies customers are the lenders, rather than the consumers whose credit behavior is being analyzed and reported.

 

[mathjak107]

I took Hi Desert Hal's original post at face value. Being angry over a credit score seemed to me to be a little over the top but who really knows what bothers someone? I thought about at 81 and not needing Gov. assistance from some social program was nice to read about.


Like others posting here our need for credit is minimal, we've reached the point where were down to just the basics. Two cards for convenience works for us now. Travel & the needs associated with travel just aren't there any more so keeping our American express platinum card account and skipping the fee to enjoy a meal like HiDesertHal makes a whole lot more sense.

we just took the chase sapphire preferred because we are traveling a lot. in two months time we have enough points for a free trip from ny to new orleans for a week , plus hundreds in other perks too

 

[HiDesertHal]

No, Smilin' Jack...I have it on my Business Suit.

HDH

 

[HiDesertHal]

HEY KNIGHT...this is even nicer to read about:

I have no Mortgage on our lovely High Desert home, our cars were bought with Cash, I get a nice 37-year Aerospace Pension, I have 6 figures in the Bank, and I'm in good health, never having been hospitalized in my life!

Don't you just hate people like me?

Have a nice Thanksgiving!
Harold (also known as Hal, HiDesertHal, and HDH)

 

[Don M.]

The Discover Card shows our credit score on the monthly statements....and it bounces around between 815 and 830. Credit Score means nothing to us, as we will probably Never buy anything on time. The last debt we had was a house we paid off in the mid-1980's, and we've not paid a nickel in interest since. We use a couple of credit cards strictly for convenience, and pay the full balance when the bill arrives. If/when we decide we need a new car, that is a cash purchase. We lived paycheck to paycheck in our younger years...and escaped that trap, as quickly as possible.

 

[mathjak107]

keep in mind that discover-citi and amex free scores are fico 8 bank card scores . they are not comprehensive fico scores . the fico 8 scores weight credit cards extra heavy and diminish other aspects .

also fico 8 scores can use a different scale and high score can be 900 . only citi discloses the range of the fico 8 score they use and say it does run to 900. the others do not tell you

 

[HiDesertHal]

I have only a VISA card, and need no others.

I recently let my balance go to $1200, but that was so scary, I paid it off!

I don't have to buy things on time; it's just easier to charge everything to my VISA, and I also get a 10% discount for my Military Service.

Now back to building my model railroad!

HDH

 

[Knight]

we just took the chase sapphire preferred because we are traveling a lot. in two months time we have enough points for a free trip from ny to new orleans for a week , plus hundreds in other perks too

We went everywhere we ever wanted to go so keeping that card was an expense we didn't want. After dropping that card actually not using it and not paying the renewal fee I was surprised we were offered the American Express centurion black card. That really was of no use LOL.

 

[Knight]

Don't you just hate people like me?

Have a nice Thanksgiving!
Harold (also known as Hal, HiDesertHal, and HDH)

Wish you a nice Thanksgiving to.

Nope don't hate someone that has worked, contributed to society and is in good health enjoying their lives. Way to many have health issues and haven't planned to live well in retirement.