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Joined 2 years ago
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Cake day: June 14th, 2023

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  • You just tanked your credit score by a lot. There are two aspects about this that matter:

    Each one of those approvals required the credit card companies to pull your credit score from the major credit reporting agencies, and a lot of credit inquiries very close together will cause your score to go down. This is not so bad, as those will only weigh on you temporarily.

    The worse one, however, is account age. Opening so many lines of credit has lowered your average account age by a ton, as you now have many accounts on your credit history with 0 years, so you are going to see a big drop because a lot of what makes up for a good credit score is how long you’ve maintained good credit (which means using it and paying it off on time to prove you can actually handle being lent money) and how much credit diversity you have (mortgage, auto loan, credit cards, etc.) .

    The good thing is that both of these blunders will go away with time. How long it will take to get you back up to 830, well, I can’t quite say.

    Like, this isn’t as bad as a bankruptcy is for your credit score, don’t get me wrong, but you’re going to need to start reading the fine print on these very carefully moving forward, because you can’t afford to keep signing deals for credit cards and not knowing exactly what the terms are. If you didn’t know what the credit limit was up front, you probably weren’t paying attention to things like APR either and that makes a big difference. Why did you feel the need to get a new credit card anyway? It sounds like you had no issues building credit before.



  • All of the receipts on the stupid DGE website so far have been lacking any and all context, which makes their “savings” worthless without more accounting. Okay, so they cut $1bn from one program by cancelling it, but what if that $1bn that was being spent was generating a return of investment down the road? Then they cut a service that actually ended up costing the taxpayers less than the alternative, which then needs to be recouped somehow.

    I compare it to a mayor slashing the police budget because crime is at an all time low - completely ignoring that the cause of the crime being low was a well-funded police force. Shortsighted idiots should never be in charge of money.


  • I’m also of the opinion that the real killer might have very well gotten away and I seriously would not put it past the dirty cops to have a close lookalike take a fall and plant evidence on him.

    Regardless, what the court of public opinion thinks of the guy who got arrested for the crime in question is, thankfully, still irrelevant in court proceedings. The prosecution still has to prove that it was him, and if they improperly collected the evidence they plan to use against him, it’s going to be an uphill battle.