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> Is it an option not to use CC in your life? Honestly the CC isn’t the problem, it’s mobile phone notification culture. One billion meaningless daily notifica
by raydiatian 4y ago
> Is it an option not to use CC in your life?
Honestly the CC isn’t the problem, it’s mobile phone notification culture. One billion meaningless daily notifications, I just shut everything off. I had used a backwater credit card that I never touch to pay for parking and suddenly CC company was livid that I was delinquent. I rack up over $100 in late fees and lost 100 pts off my cred score. To resolve the issue I had to snail mail in a letter asking them to update the report with the credit score agencies.
Just such a carnival, regardless of how much you want to victim blame me
- aliqot 4y agoVictim blame? Excuse me?
- TallGuyShort 4y agoI don't think it's fair to call this victim blaming. You did indeed borrow money and fail to pay it back on time. That's exactly what the concept of a credit score is for. We all make mistakes, but your score represents the balance of your track record. Is life complicated? Do you innocently forget to make a payment, and then pay back the fees? Do you miss notifications because your spam filter was overly aggressive? I understand all those things. But if that happens a lot maybe credit cards aren't usually the right tool for you. And if you insist otherwise but fail to make payments on time anyway and call yourself a victim of that system, that's exactly the kind of thing I want to know as a potential creditor. That's different from credit reporting agencies losing your data through negligence, lacking transparency in the algorithm changes that affect people, doing unethical things with the data like was reported yesterday. Let's be clear that none of those things is what happened to you.