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#826 | |
GuteBook/Mobi2IMP Creator
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Karma: 2530691
Join Date: Dec 2007
Location: Toronto, Canada
Device: REB1200 EBW1150 Device: T1 NSTG iLiad_v2 NC Device: Asus_TF Next1 WPDN
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Quote:
Landing in Toronto? Uh, ex-nay on the walking... maybe better to leave TWO days before, no, no, no, better book that flight! ![]() Enjoy this leg of your bitter-sweet junket! ![]() |
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#827 | |
New York Editor
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Karma: 16540415
Join Date: Aug 2007
Device: PalmTX, Pocket eDGe, Alcatel Fierce 4, RCA Viking Pro 10, Nexus 7
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Quote:
In the US. at least, the credit card market is saturated, with just about everyone that should have a credit card possessing more than one. So CC companies are always trying to raid each others market share, and we get continual "pre-approved" offers in the mail for additional cards and upgrades on existing ones. I think we have about a dozen different cards at this point, and the total available credit is somewhere in the low six figures. We actually use about three of them, with another a parking spot for transferred balances at 0% APR to pay down outstanding debt. My SO is a bit boggled at it. I just say "We have credit cards. We charge things. We run up balances, which carry finance charges. We pay them off faster than required. We're exactly what they like!" And the SO tells me our credit score is close to the top possible, so no surprise we get more offers every week. I've had the occasional thought about saying yes to all of them, just to see how many cards we could accumulate, but figure that would be more trouble than it's worth. I used to work in a consumer credit operation at a bank. Our piece did mortgage lending and revolving credit, not CCs, but we saw the fun. Like everyone else, the bank had fairly strict credit criteria, but periodically, someone would decide to try to boost market share and/or revenue by loosening the standards and issuing more cards. All would be well until the wave of delinquencies and charge-offs as the bad debt chickens came home to roost, everyone got a sharp reminder about why we hadn't issued credit cards to these folks previously, and the criteria would be tightened again. Our area's chief credit officer was a chap we nicknamed the Godfather. Al had forgotten more about credit than most folks would ever learn, and was listened to with respect by those who knew him. He would get quite snarky about such things. We thought it a pity the CC side wasn't under his purview. ______ Dennis |
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#828 |
Beepbeep n beebeep, yeah!
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Karma: 8255450
Join Date: Apr 2008
Location: La Crosse, Wisconsin, aka America's IceBox
Device: iThingie, KmkII, I miss Zelda!
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Canada's a really big place.
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#829 |
zeldinha zippy zeldissima
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Karma: 921169
Join Date: Dec 2007
Location: Paris, France
Device: eb1150 & is that a nook in her pocket, or she just happy to see you?
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#830 | |
Beepbeep n beebeep, yeah!
![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Posts: 11,726
Karma: 8255450
Join Date: Apr 2008
Location: La Crosse, Wisconsin, aka America's IceBox
Device: iThingie, KmkII, I miss Zelda!
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#831 | ||
Grand Sorcerer
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Karma: 4632658
Join Date: Nov 2007
Device: none
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Cheers, Marc |
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#832 | |
Grand Sorcerer
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Karma: 37057604
Join Date: Jan 2008
Device: Pocketbook
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Quote:
(Bows deeply and backs out) Last edited by Greg Anos; 09-12-2008 at 08:04 PM. |
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#833 | ||
zeldinha zippy zeldissima
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Karma: 921169
Join Date: Dec 2007
Location: Paris, France
Device: eb1150 & is that a nook in her pocket, or she just happy to see you?
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yes, but what about the geography ???
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and despite my earlier efforts rendering this particular assistance unnecessary, i will be sure to contact you first for all my future travel needs, since clearly you are a lot better at it than i am. i thank you and salute you. in fact i think that i may just have to create some sort of new medal in your honour (as queen, i can do that). hm. something along the lines of "the silver wings of valour in the face of crackhead, sadistic flight-programming monkeys". we could call it "the wings of valour". i like it. i'd dub thee knight but since you're called "Sir" i have to assume you already are one. can you be knighted twice ? i think we should start calling you "Sir Ralph Sir Edward." i like it. it's got a nice ring to it. you can wear your wings to all classy events and marc's parties. just be careful with them ; they are functional wings, so try to keep out in the open and not knock anything over. |
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#834 |
Grand Sorcerer
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Karma: 37057604
Join Date: Jan 2008
Device: Pocketbook
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Just trying to provide the traditional "Texas Hospitality" when needed.
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#835 |
zeldinha zippy zeldissima
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Karma: 921169
Join Date: Dec 2007
Location: Paris, France
Device: eb1150 & is that a nook in her pocket, or she just happy to see you?
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#836 |
Grand Sorcerer
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Karma: 5171130
Join Date: Jan 2006
Device: none
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![]() Arguing with a Utopianist is like arguing with a religious fanatic, and equally as pointless. I'm not doing it anymore. I'm just not. |
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#837 |
Wizard
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Karma: 1358132
Join Date: Nov 2007
Location: UK
Device: Palm TX, CyBook Gen3
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#838 | |
New York Editor
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Karma: 16540415
Join Date: Aug 2007
Device: PalmTX, Pocket eDGe, Alcatel Fierce 4, RCA Viking Pro 10, Nexus 7
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Quote:
(Out of curiosity, which utopia prompted this response?) ______ Dennis |
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#839 |
Liseuse Lover
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Karma: 1035404
Join Date: Jul 2008
Location: Netherlands
Device: PRS-505
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I'm pretty sure he means me and several others because we don't agree with his views on DRM and control. If he holds opposite views (and I would not exactly describe myself as a utopianist), does that make him a dystopianist?
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#840 | |
New York Editor
![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Posts: 6,384
Karma: 16540415
Join Date: Aug 2007
Device: PalmTX, Pocket eDGe, Alcatel Fierce 4, RCA Viking Pro 10, Nexus 7
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Quote:
I disagree with Steve on DRM, too, but I don't consider myself a utopian, unless "belief that enough people out there are willing to pay for value that DRM isn't necessary" classifies me as such. ______ Dennis |
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Tags |
creepy crawlers!, dell computers, monteverdi, thread that never ends, tubery, unutterable silliness |
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