sucks to be perfect...

[Omegachi]

did you know... if you have perfect credit, credit card companys will not let you apply for their cards because they know they won't make money off of you?... well, now you know.

 

[Kalbi]

That's a lie

 

[shortspanishguy]

Originally posted by: Kalbi
That's a lie

qft

 

[YetioDoom]

Did you read that in an email?

 

[edro]

Originally posted by: shortspanishguy

Originally posted by: Kalbi
That's a lie

qft

qft

 

[DurocShark]

Originally posted by: YetioDoom
Did you read that in an email?

"It must be true! I read it on teh intarweb!"

 

[cKGunslinger]

No worries here!

 

[imported_ArtVandalay]

I have excellent (though not perfect) credit. I get trees worth of junkmail offering 0% for 6 months or on transfers and such :frown:

 

[Omegachi]

no, i applied for a citicard, and they rejected me. so i called them up and asked for the reason why.

this is what it saids on the rejection letter i got:

"your credit bureau report shows you have no revolving accounts with a balance."

 

[Yossarian]

Originally posted by: Omegachi
did you know... if you have perfect credit, credit card companys will not let you apply for their cards because they know they won't make money off of you?... well, now you know.

if you use the card they still make money off you

 

[Toasthead]

Originally posted by: Kalbi
That's a lie

 

[Slvrtg277]

Originally posted by: Omegachi
no, i applied for a citicard, and they rejected me. so i called them up and asked for the reason why.

this is what it saids on the rejection letter i got:

"your credit bureau report shows you have no revolving accounts with a balance."

Could it be..........DEBT POTENTIAL?????

 

[Amplifier]

It's not a lie. Credit Card companies know that "If it's too good to be true, it probably is".

 

[eelw]

Originally posted by: Omegachi
no, i applied for a citicard, and they rejected me. so i called them up and asked for the reason why.

this is what it saids on the rejection letter i got:

"your credit bureau report shows you have no revolving accounts with a balance."

That hardly indictates that you have a perfect credit score. And if your credit is so good, why the hell are you applying for a CC then?

 

[nakedfrog]

Originally posted by: Omegachi
no, i applied for a citicard, and they rejected me. so i called them up and asked for the reason why.

this is what it saids on the rejection letter i got:

"your credit bureau report shows you have no revolving accounts with a balance."

That doesn't mean you have perfect credit.

 

[TGS]

You don't start with perfect credit... When you do get close to a perfect credit score you will have an extensive history, and they will be stuffing your mailbox with offers.

You will on the other hand get denied for the lack of a credit history.

 

[gopunk]

well, i have perfect credit, and i have no trouble getting credit cards. so, i think you're wrong.

 

[CRXican]

that means they can't tell if you can pay them back or not because you don't use the credit you have

jackass

 

[dirtboy]

Originally posted by: Omegachi
no, i applied for a citicard, and they rejected me. so i called them up and asked for the reason why.

this is what it saids on the rejection letter i got:

"your credit bureau report shows you have no revolving accounts with a balance."

Maybe because you have no credit history or you already have credit you're not using.

If you use a cc and pay it off every month it will show a balance.

 

[dullard]

Originally posted by: Omegachi
did you know... if you have perfect credit, credit card companys will not let you apply for their cards because they know they won't make money off of you?... well, now you know.

FALSE. It means they make MORE profit off of you. People with great credit who use a CC are their biggest profit source.

 

[Rainsford]

Wow...

You don't have perfect credit...and people who DO have perfect credit get some pretty amazing credit card offers. So I'd say you're wrong.

 

[Platypus]

I know for a fact that this is wrong.

 

[Omegachi]

well.. only have 1 cc right now and i've been usingi it for a while. i have never missed a payment and i always pay in full.

 

[BigJ]

Originally posted by: Omegachi
well.. only have 1 cc right now and i've been usingi it for a while. i have never missed a payment and i always pay in full.

And that means you probably don't have anywhere near perfect credit. It's probably respectable, but not perfect.

 

[dullard]

Originally posted by: Omegachi
well.. only have 1 cc right now and i've been usingi it for a while. i have never missed a payment and i always pay in full.

That is your problem. I say get 2-3 cards. Ideally for the best credit score, you'd have a couple more, but for realistic reasons I like to limit my advice to just 2-3 cards.