this post was submitted on 25 Jul 2025
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Ye Power Trippin' Bastards
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This is a community in the spirit of "Am I The Asshole" where people can post their own bans from lemmy or reddit or whatever and get some feedback from others whether the ban was justified or not.
Sometimes one just wants to be able to challenge the arguments some mod made and this could be the place for that.
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- Which mods/admins were being Power Tripping Bastards?
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Some acronyms you might see.
- PTB - Power-Tripping Bastard: The commenter agrees with you this was a PTB mod.
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You're right in that my credit score was decent enough to get that credit limit, but I've only been charging <$1000 a month (usually <$300) on it and my credit score has only dropped since. I was surprised by the drop and requested a detailed credit report but found no accounts open/delinquent that would indicate someone destroying my credit.
You put everything on the credit card, but also, your usual expenses on the credit card are <$300 per month?
Also why'd you say the score was now dogshit, if all you meant was that it dropped by the tiny amount that the situation you described would cause it to drop (even if your general expenses had dropped to usually <$300 per month for some reason)?
It might seem kind of unrelated, but I have to say I'm a little bit leaning towards whatever judgement it was that led to someone banning you, just because of this situation. It seems kind of plausible that you might have other weird posting behaviors if you tend to casually lie about random things... but also I can't really say I understand it fully since I don't understand the reason for the lie really. It's just such a weird thing to lie about. It is objectively impossible for what you said to be true, though...
My living expenses are low and some of the larger transactions are paid direct from my bank account to avoid credit card fees. My score didn't drop a tiny amount, it dropped by about 100 points, which is why I requested a detailed credit report. Why would I lie about this?
This tangent you've been dragged on is so, so irrelevant to the thread, but I wanted to chime in with a couple bits of info that might be genuinely helpful to try to counterbalance the "lmao u doin it wrong and lyin" troll
First - Even if you pay your statements in full to avoid interest charges, the amount of utilization on the card at the time the report is made to the credit bureau is what affects your score. As silly as it seems, even 10% utilization can bring your score down. I have seen it recommended to stay under 8% or around 6%. So one thing you could do is make a payment a couple days before your statement period ends to fine-tune the balance down to something that will look attractive on your credit report. If you are already able to pay things off in full, this should be doable with minimal shuffling around. Utilization doesn't have "memory" so one bad month is not going to drag your score down for a long time.
Second - If you have or can get a credit card with a decent cashback or rewards program, you might be able to put some of those larger transactions on the credit card and come out ahead even with the fees. This is going to be highly sensitive to the specifics though and the card usually needs to have no annual fees or it eliminates the possibility.
Rude
This is objectively wrong, for this situation.
https://eu.usatoday.com/story/money/2025/06/14/how-to-build-850-perfect-credit-score-fico/84163305007/
If you have a $300 balance on a $10k limit card, you will not lose anything off your rating. If you have a $1000 balance on a $10k limit card, you might lose a tiny amount compared to having a 0 balance, but it won't be all that much (some fraction of the 3/10 of your credit rating that is determined by how much credit you're using), and you will as you noted regain it as soon as you pay that balance. Having a 10% credit utilization will in no universe take you from "qualified for a $10k credit line" to "dogshit."
This part is accurate. Basically anything that doesn't charge you a separate fee for using a CC, you should use a card for, because most cards will kick back part of their processing fees to you in the form of rewards.