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Behotti posted:I am not a financial advisor but, I believe Hard pulls (ones that show on your credit report as an inquiry) can last about 2 years on there... but assuming you do the normal "good" credit stuff, you should rebound a bit in not too long. I can confirm that unless something weird is going on with your situation, hard pulls do indeed drop off after 2 years.
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Jun 24, 2021 14:59
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they said i should wait for about a month to pass and try again, that's when it should not really negatively affect my report anymore.Nitrousoxide posted:I can confirm that unless something weird is going on with your situation, hard pulls do indeed drop off after 2 years.  guess i have to wait 30 days to make a bunch of Costco purchases  that's probably good though, so my partner doesn't come home and we have like four new appliances and a bunch of (awesome, but) random purchases.
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Jun 24, 2021 15:07
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Johnny Truant posted:they said i should wait for about a month to pass and try again, that's when it should not really negatively affect my report anymore. I would caution you, I believe every time you apply for the card, it adds another hard pull. You can check credit Karma to confirm.
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Jun 24, 2021 15:23
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Johnny Truant posted:they said i should wait for about a month to pass and try again, that's when it should not really negatively affect my report anymore. I would check when your current hard pulls will be dropping off rather than just spamming a bunch of new hard pulls.
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Jun 24, 2021 15:26
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all good advice, Costco (thread) comes through yet again!
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Jun 24, 2021 15:40
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Johnny Truant posted:they said i should wait for about a month to pass and try again, that's when it should not really negatively affect my report anymore. Did you call Citi? Sometimes you can get a rep on the line and ask for reconsideration.
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Jun 24, 2021 15:40
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The Slack Lagoon posted:Did you call Citi? Sometimes you can get a rep on the line and ask for reconsideration. yeah, i tried and the person was very nice but said wrt credit pulls there isn't much to do
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Jun 24, 2021 15:42
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How many hard pulls are on your credit report? I wouldn't think you'd have to wait 2 years for them to drop off to get a credit card unless you've got some significant other issues. I just refinanced and the six hard pulls dropped my score a whopping 6 points and I can't imagine I'd have trouble getting a new credit card because of it. There's also (apparently) a difference between "completely drop off" and "are no longer really a problem" Credit Karma says they can stay on your report for 2 years but your score usually "bounces back" in 3 months so I'd think applying again 3 months after all the hard pulls is what I would do.
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Jun 24, 2021 15:57
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Yeah, there’s no way they affect you for 2 years… I’ve heard 3 months. They just want to make sure you aren’t going crazy and opening a bunch of poo poo that messes up your earnings to debt ratio. Hard pulls without a corresponding account opening are pretty much meaningless Seconding credit karma though. It feels weird and spammy, but it did help me out when I was rebuilding my credit
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Jun 24, 2021 16:07
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It's not just the hard pulls-if you took out a mortgage, there seems to be an impact if you have a period of time that your principle is higher than your loan amount was (frequently due to early interest accrual). Get those first few months of home ownership/refinance over to get out of that time frame, and you'll have much better luck getting cards and decent credit lines.
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Jun 24, 2021 16:55
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Hello from the food court. Got a buncha mozz balls in my cart and I’m drinking my first ice cold fountain soda in over a year.
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Jun 24, 2021 17:56
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I made a quick trip today and my co finally has self-checkout! Sort of. There was a person with a scan gun who had to scan my stuff for some reason.
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Jun 25, 2021 03:13
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phosdex posted:I made a quick trip today and my co finally has self-checkout! Sort of. There was a person with a scan gun who had to scan my stuff for some reason. Self checkout is a weird pseudo self checkout where the friendly gun scanner person intervenes regularly. I don’t mind usually because I have all my UPCs up in the cart and they just scan them all and move on.
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Jun 25, 2021 12:13
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Oh yeah I forgot mine has just gotten a few self checkout too. I had only 4 or so small items and breezed right through it. There was a person there but they were just making sure people knew what to do. I tried to scan my stuff before my card and they corrected me on that but otherwise I just scanned and paid and left.
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Jun 25, 2021 14:03
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100% depends on the person working the self-checkout. I’ve had them be obtrusive before for some reason when I obviously know what I’m doing. It can be weird, especially during the more covid-y before-times
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Jun 25, 2021 14:57
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Costco needs to respect my right to bear scanning guns. Home depot of all places lets me do it, and they let anyone in. When I have only a few items they tend to be huge. Like a TV or a shelving unit.
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Jun 25, 2021 15:34
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I used self checkout for the first time (at Costco) the other day and can’t see myself using it again unless I only have a couple of items. Was kind of a hassle for multiple reasons and ended up taking longer than if I just waited in the regular checkout line.
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Jun 25, 2021 16:01
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FishBowlRobot posted:I used self checkout for the first time (at Costco) the other day and can’t see myself using it again unless I only have a couple of items. Was kind of a hassle for multiple reasons and ended up taking longer than if I just waited in the regular checkout line.  And mine didn't even have handheld scanners nor did the employees. So I'm fiddling with this huge bag of toilet paper trying to get it to scan.
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Jun 25, 2021 16:23
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And here I am with employees that loaded my cart for me while I paid.
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Jun 25, 2021 16:40
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StormDrain posted:Costco needs to respect my right to bear scanning guns. Home depot of all places lets me do it, and they let anyone in. When I have only a few items they tend to be huge. Like a TV or a shelving unit. Mine had no problem just giving me the gun and saying to scan everything? I dont even believe it required them to confirm my age for beer either. 10/10 would scan my own items again.
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Jun 25, 2021 17:00
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So at one point I shared with the thread how an employee was mad at me for not putting my items on the belt at checkout. Since then I have been very diligent about facing all my items barcode up to make it easy to just shoot them all and move along quickly. I usually go alone to Costco but last time I went with my wife. She witnessed me being weird about organizing the cart and thought my behavior was very strange. I told her how easy it would make checkout and the employees would appreciate it. She doubted me big time and continued to ridicule me while I rearranged the cart constantly. Well we got to checkout and the cashier looks at my cart and actually says "aw yeah". Cue my poo poo eating grin. Thank you, thread, for showing me the way.
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Jun 25, 2021 17:11
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You put small, easy to lift items on the belt and large or heavy things like bottled water and toilet paper in the cart. It is a dick thing to leave everything in the cart. I also turn barcodes up for the things I leave in the cart.
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Jun 25, 2021 17:13
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Pennywise the Frown posted:You put small, easy to lift items on the belt and large or heavy things like bottled water and toilet paper in the cart. It is a dick thing to leave everything in the cart. It really is, the more items in the cart the more likely it is to make a mistake ringing that order. Cashiers are only allowed 2 $10 errors in a 6 month period before they start running into writeups/demotions and small items are very easy to miss/double scan when they aren't being physically moved around.
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Jun 25, 2021 17:37
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Rufio posted:
What the gently caress has she ever worked retail before
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Jun 25, 2021 17:41
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Oh good lets turn my post into talking poo poo on my wife
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Jun 25, 2021 17:43
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KakerMix posted:What the gently caress has she ever worked retail before This is a very weird post. Lots of people have never worked retail.
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Jun 25, 2021 17:45
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Pennywise the Frown posted:You put small, easy to lift items on the belt and large or heavy things like bottled water and toilet paper in the cart. It is a dick thing to leave everything in the cart. Sure seemed like a dick move when the cashier was excited about how I had already arranged my cart the way they wanted it.
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Jun 25, 2021 17:47
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I do anything I can to make retail workers job as easy as possible. Retail, service industry, you name it. I can't do what they do.
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Jun 25, 2021 17:52
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MarcusSA posted:Lots of people have never worked retail. Imagine having to work in retail.
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Jun 25, 2021 18:00
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Armauk posted:Imagine having to work in retail. Imagine never having had to work in retail. Alt reply, lol imagine not having Enrique work your low wage often-demeaning job for you. Honestly though, I think everyone should have to work service or retail for a year. Like compulsory military service, but for empathy rather than nationalism.
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Jun 25, 2021 18:32
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Working retail is not that hard. Like at all. It's by and by far the easiest job I've ever had.
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Jun 25, 2021 18:33
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Gaius Marius posted:Working retail is not that hard. Like at all. It's by and by far the easiest job I've ever had. So you've never interacted with customers? THAT is basically the single thing that makes retail soul crushing. Well plus the poo poo wages, no benefits, and being easily expendable. (my experience) Rufio posted:Sure seemed like a dick move when the cashier was excited about how I had already arranged my cart the way they wanted it. You said you did that after they got mad at you. There are even big signs on the belts that say put small items there and leave large items in the cart. It's ok. Just continue what you're doing now. Follow the costcode. Pennywise the Frown fucked around with this message at 18:39 on Jun 25, 2021 |
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Jun 25, 2021 18:37
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Gaius Marius posted:Working retail is not that hard. Like at all. It's by and by far the easiest job I've ever had. Different people are good at different things?
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Jun 25, 2021 18:40
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people who have not worked retail should get trained on barcode scanning before they use a self-checkout lane 
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Jun 25, 2021 18:44
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Lutha Mahtin posted:people who have not worked retail should get trained on barcode scanning before they use a self-checkout lane This is the whole reason I avoid any self checkout if there is a line. If I can walk up and hit it right away? Sure. Otherwise hard pass. Maybe the line zips through because everyone knows what they're doing. On the other hand, I've sat there too many times waiting for some retiree to figure out how it all works. I'd much, much rather just stand in line at a register where I can at least be confident that the person doing the scanning has at least a minimal clue what they're doing.
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Jun 25, 2021 18:48
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Gaius Marius posted:Working retail is not that hard. Like at all. It's by and by far the easiest job I've ever had. I say the same thing about food service and buddy we are both wrong and weird for it.
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Jun 25, 2021 18:48
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I hate self scans at grocery stores because it takes a few seconds for the scale to register that you put your item in the bag. So I scan, place, scan.... poo poo... scan scan scan, ugh, wait, scan.... ok now it's working again. So now I just scan, place item in bag, stare at screen for it to register, then scan again. This happens everywhere too. Not just a single grocery store. I still use it all the time though because grocery stores will have 12 lanes and one of them open and a huge line waiting for it.
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Jun 25, 2021 18:57
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Self check-out is for two situations: you have a few items, or you have small children.
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Jun 25, 2021 19:05
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Somebody else said it already but Home Depot has figured out self checkout somehow. They give you the gun, it can quickly scan, and their system doesn't care about if you're bagging or not. It's glorious.
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Jun 25, 2021 19:11
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PerniciousKnid posted:Self check-out is for two situations: you have a few items, or you have small children. My local grocery store installed self-checkout, then fired most of the cashiers so the only lane open that isn't self-checkout is the one where you can buy tobacco, and that lane always has 5+ people lined up at it with full carts. I kinda hate self-checkout. I am not a boomer.
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Jun 25, 2021 19:13
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