ramssuperbowl99 Posted October 31, 2017 Share Posted October 31, 2017 1 hour ago, DontTazeMeBro said: So I applied for a credit card yesterday and got approved almost instantly. Then today I see my credit score went down 15 points because of a hard inquiry. How freaking hard of an inquiry could they have done to give me a $2000 credit card in like 10 seconds? @EliteTexan80 would know more about this, but my understanding is that this is done to prevent people with good scores from simultaneously being able to apply for a ton of different lines of credit at once and way overborrow before the system catches on. It should go back to normal in like 2 months. Also it's 15 points on a credit score report so it's not a big deal. 1 Link to comment Share on other sites More sharing options...
ET80 Posted October 31, 2017 Share Posted October 31, 2017 6 minutes ago, ramssuperbowl99 said: @EliteTexan80 would know more about this, but my understanding is that this is done to prevent people with good scores from simultaneously being able to apply for a ton of different lines of credit at once and way overborrow before the system catches on. It should go back to normal in like 2 months. Also it's 15 points on a credit score report so it's not a big deal. This is a fair assessment; Your potential debt to income ratio increased by $2000 yesterday, and the bureaus reacted. I'd say that 60 days is a fair assessment to that 15 points going back on your score (assuming you don't run up the card and pay minimums on it...) Link to comment Share on other sites More sharing options...
Matts4313 Posted October 31, 2017 Share Posted October 31, 2017 Someone quickly explain to me why a chick on Tinder would be asking for my Kik and what the hell a "custom" is? She super liked me and like 5 messages in she wants to exchange stuff on Kik. This is a trap, right? Whats the point of kik? Link to comment Share on other sites More sharing options...
cddolphin Posted October 31, 2017 Share Posted October 31, 2017 2 minutes ago, Matts4313 said: Whats the point of kik? I think it's a way to text without having to use actual SMS. Yeah, it's probably a trap depending on your definition of "stuff". 1 Link to comment Share on other sites More sharing options...
BLick12 Posted October 31, 2017 Share Posted October 31, 2017 5 minutes ago, Matts4313 said: Someone quickly explain to me why a chick on Tinder would be asking for my Kik and what the hell a "custom" is? She super liked me and like 5 messages in she wants to exchange stuff on Kik. This is a trap, right? Whats the point of kik? She'll ask for your SSN next, this is a good way for her to know that you're not a predator. 1 Link to comment Share on other sites More sharing options...
Matts4313 Posted October 31, 2017 Share Posted October 31, 2017 4 minutes ago, cddolphin said: I think it's a way to text without having to use actual SMS. Yeah, it's probably a trap depending on your definition of "stuff". Photos Link to comment Share on other sites More sharing options...
Csonka Trucks Posted October 31, 2017 Share Posted October 31, 2017 2 minutes ago, BLick12 said: She'll ask for your SSN next, this is a good way for her to know that you're not a predator. And your mothers maiden name and the name of your first pet 2 Link to comment Share on other sites More sharing options...
RavensTillIDie Posted October 31, 2017 Share Posted October 31, 2017 1 minute ago, BLick12 said: She'll ask for your SSN next, this is a good way for her to know that you're not a predator. After that she'll ask for a $100 transaction in Bitcoin, as a way to establish trust. Only way to prove you are serious about taking this relationship to the next level tbh. 4 Link to comment Share on other sites More sharing options...
cddolphin Posted October 31, 2017 Share Posted October 31, 2017 1 minute ago, Matts4313 said: Photos Then maybe you're over-suspicious. Lot of people migrate from tinder to kik to save data and whatnot. 1 Link to comment Share on other sites More sharing options...
DontTazeMeBro Posted October 31, 2017 Share Posted October 31, 2017 1 hour ago, ramssuperbowl99 said: @EliteTexan80 would know more about this, but my understanding is that this is done to prevent people with good scores from simultaneously being able to apply for a ton of different lines of credit at once and way overborrow before the system catches on. That's funny because when I told my dad how quickly I got approved he suggested I get a bunch of credit cards. One of those situations where you wonder why something is and when you find out it makes perfect sense 1 Link to comment Share on other sites More sharing options...
Ty21 Posted October 31, 2017 Share Posted October 31, 2017 Nevermind I don't think I can accept the new factory job because I can't find a cheap vehicle for work since our jobs conflict on time Link to comment Share on other sites More sharing options...
DontTazeMeBro Posted October 31, 2017 Share Posted October 31, 2017 9 minutes ago, Tyty said: Nevermind I don't think I can accept the new factory job because I can't find a cheap vehicle for work since our jobs conflict on time How far is the commute? Link to comment Share on other sites More sharing options...
Ty21 Posted October 31, 2017 Share Posted October 31, 2017 1 minute ago, DontTazeMeBro said: How far is the commute? 6.1 miles Link to comment Share on other sites More sharing options...
flyers0909 Posted October 31, 2017 Share Posted October 31, 2017 27 minutes ago, Tyty said: 6.1 miles Can you bike there? 1 Link to comment Share on other sites More sharing options...
pwny Posted October 31, 2017 Author Share Posted October 31, 2017 ?? Link to comment Share on other sites More sharing options...
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