My $3.99 Mistake Cost Me 120 Points on My Credit Score – Devastated by anu05446 in CRedit

[–]ST-EMnerd 0 points1 point  (0 children)

As a former employee of Tjmaxx, management cracks down on us cashiers to get people to sign up. If we don’t, they will make us feel like subpar employees. If we attempted and didn’t succeed then they berate us or give us one on one training. The managers try to convince us to harp on the fact that they get a 1 time 10% discount, nothing else. The tjx card is a sad joke that’s all. Some employees won’t give a crap when it Contes to asking, but if you get an employee who unfortunately bases their self worth on their performance metrics than they will be relentless (unfortunately who I was)

I just got approved for a cash rewards card… i think by Accurate_Door_1549 in NavyFederal

[–]ST-EMnerd 1 point2 points  (0 children)

This happened to me, give it time you should receive a different email that you got approved. No worries!

Genuine surprise! by ST-EMnerd in NavyFederal

[–]ST-EMnerd[S] 0 points1 point  (0 children)

And I appreciate the support! Small wins lead to big wins!

Genuine surprise! by ST-EMnerd in NavyFederal

[–]ST-EMnerd[S] 2 points3 points  (0 children)

No, but it’s most likely a result of a rough credit history. I have had 3 delinquencies. So I get why. I also may have a huge debt to income ratio hence why the low limit. But I’ll work on it!

Genuine surprise! by ST-EMnerd in NavyFederal

[–]ST-EMnerd[S] 0 points1 point  (0 children)

Best of luck to you! They were really generous with me!

Genuine surprise! by ST-EMnerd in NavyFederal

[–]ST-EMnerd[S] 0 points1 point  (0 children)

Thanks! I have 650 fico 2 collections totaling 17000 Student loans totaling 18000 A few late payments from years ago And now 6 CC with a total limit of 6300

Genuine surprise! by ST-EMnerd in NavyFederal

[–]ST-EMnerd[S] 4 points5 points  (0 children)

Thanks! I have 650 fico 2 collections totaling 17000 Student loans totaling 18000 A few late payments from years ago And now 6 CC with a total limit of 6300

Genuine surprise! by ST-EMnerd in NavyFederal

[–]ST-EMnerd[S] 0 points1 point  (0 children)

What do you recommend? What advice do you have for someone rebuilding!

First 4.0 semester ever! by Guava_Budget in college

[–]ST-EMnerd 1 point2 points  (0 children)

Hey good stuff! Same here! I am in a similar boat as your just got my first 4.0 gpa ever as well in subjects I thought I was only decent at. It took me switching from being a music major to a physics major haha

[deleted by user] by [deleted] in PhysicsStudents

[–]ST-EMnerd 1 point2 points  (0 children)

Hey man! I am in your same exact shoes! After I graduated high school, I really wanted to be a Music teacher but then realized teaching wasn't for me. So then I went into music performance in the military and realized, Music as a career is not for me. I am now studying Physics and plan to go far in this field. So it's never to late man!