@ninaturner | 605,459 followers
Overdraft fees were created in 1990.
Credit scores were created in 1989.

We can live without them.

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Total of 174 replies and 49 quotes found
In reply to @ninaturner
But without overdraft fees, how will bank executives afford their yacht payments?
 
In reply to @ninaturner
What is this fantasy world that you want to live in?
 
In reply to @ninaturner
Was wondering where you stole this from鈥h, Nina鈥︷煠︷煆解嶁檪锔 pic.twitter.com/mM4WX0DJZ7
 
In reply to @ninaturner
It鈥檚 fitting that a person that cries for student loan cancelation can鈥檛 understand why lenders care about poor credit.
 
In reply to @ninaturner
The Department of Education was created in 1979. OSHA was created in 1971. We can live without them.
 
In reply to @ninaturner
 
In reply to @ninaturner
They鈥檙e class warfare being waged against younger generations. They need to be abolished.
 
In reply to @ninaturner
Been saying. Credit scores are worse than China鈥檚 social credit system at this point.
 
In reply to @ninaturner
Wait Terry Gilliam's "Brazil" was released in 1985 and had references to credit scores in it... where did he get the idea from if they didn't exist yet?
 
In reply to @ninaturner
but the Oligarchs can gate keep poor w those 馃ぃ馃ぃ馃ぃ馃ぃ馃ぃ馃ぃ No, but seriously Europe doesn't have credit scores like we do. Your life should NOT be dependent on you having good credit & a Credit Card
 
In reply to @ninaturner
Credit scores were created so that everyone did not pay higher interest rates in order to cover the losses of deadbeats. Now if you have good credit you get a better rate. Or would you rather everyone pay higher?
 
In reply to @ninaturner
Also when did usury stop being a crime? We can bring that back
 
In reply to @ninaturner
So you want people to be able to spend money they don鈥檛 have with no consequences?
 
In reply to @ninaturner
Prior to credit scores money was lent based on a bankers judgment as to the worthiness of the person requesting a loan. So if the banker didn鈥檛 like you鈥斺攐r trust you鈥斺擭O Credit!
 
You CAN live without them. You just don't want to. Don't want a credit score? Don't get credit (i.e. borrow money).
 
In reply to @ninaturner
They totally control our lives! It is shocking that credit scores drop BIG when a student loan is paid off which exposes who they support!
 
In reply to @ninaturner
they need to be fixed (and in the case of fees less exploitive) but how else do you stop people from using what is not theirs (block payments when funds are insufficient)? Also how do you evaluate risk when extending credit without a reputational score of some sort?
 
I was today years old finding this out. 馃

& yes, we can.
 
In reply to @ninaturner
Maybe you should teach kids to be responsible with their finances. I鈥檓 proud of my high credit score. I work hard to pay my debt on time and responsibly!
 
In reply to @ninaturner
Overdraft fees are insanely ghoulish. 鈥淚 see you鈥檙e having trouble with money. Let me make that worse!鈥
 
In reply to @ninaturner
But how would the banks suppress us then?
 
In reply to @ninaturner
There was a time BEFORE overdraft fees?! 馃く馃く馃く
 
In reply to @ninaturner
I was born in '89 too. I've had bad credit since '93 :)
 
Overdraft fees and credit scores are younger than my brother shhdhdhdhdhdhhd this world is unserious screw capitalism!
 
In reply to @ninaturner
Cap the usury fees on credit cards while we鈥檙e at it.
 
In reply to @ninaturner
Just like OH-11 can live without you. pic.twitter.com/mQHdIg0LZS
 
In reply to @ninaturner
Proud credit union member since 1975. Try it.
 
In reply to @ninaturner
You really, really hate being accountable for anything. 馃槀
 
Wait, I'm older than both of these things that I definitely thought were older than this? We just love punishing poor ppl and dressing it up as 'accountability' or 'inspo to try harder.'
 
In reply to @ninaturner
How about just not overdrafting? Is that a solution in your world, or is everything geared towards people who are mismanaging their money not having anything negative happen to them as a result of their management?
 
 
In reply to @ninaturner
Credit scores are a scam
 
In reply to @ninaturner
Who told us these banks are too big to jail? Crooked bankers see others getting away with it, so they keep doing it twitter.com/WCVB/status/15鈥 pic.twitter.com/27HXOsdEGu
 
In reply to @ninaturner
What's your source for those dates? I've been trying to find that information.
 
In reply to @ninaturner
This is major knowledge almost no-one has-duh! Thanks, our brilliant Nina.
 
In reply to @ninaturner
Credit scores attempt to determine ability to pay. Zero chance I鈥檒l lend money to people without a credit score or something that approximates it. And that concept preceded credit scores.
 
In reply to @ninaturner
Debt wasn't a concept until some created it either.
 
 
 
Overdraft protection is optional. I told Wells Fargo they could either turn it off or I wouldn't be making an account. When I overdraw my balance goes negative and then I have X number of days to make it go positive, but nobody pays 1.15 on my behalf and charges 50 bucks for it.
 
In reply to @ninaturner
Nonsense. Don't spend money you don't have. Don't be loyal to FICO, which just rates your ability to stay in debt. Get out of debt and stay out.
 
In reply to @ninaturner
I'm more worried about ESG scores, they are a danger to freedom. pic.twitter.com/pA6xcau5Rp
 
In reply to @ninaturner
Ur policies enabled individuals to neglect personal responsibility for their decisions. Ur weakening the America鈥檚 standards of God, family, country.
 
In reply to @ninaturner
Wait until we get the social credit score like ccp China. Or wait until ESG is implemented.
 
In reply to @ninaturner
If you're financially responsible, these aren't a problem. Fly straight or suffer. They taught this to me in the 3rd grade.
 
 
In reply to @ninaturner
Yeah. No credit check tools. Mayb we just stop making loans to anyone. Good idea?
 
In reply to @ninaturner
This needed a tweet? You know who can fix? Both Liz Warren & Bernie Sanders. Thems your peeps right? No @ them? Your credibility is in the negative.
 
In reply to @ninaturner
This take is scorching 馃敟馃敟馃敟 hot. I love new ideas. 馃馃憦馃憦馃憦
 
 
In reply to @ninaturner
You can live with out them but you can鈥檛 borrow money with out them. If you were in the money lending business you would love them.
 
In reply to @ninaturner
Yep...let's just hand out unlimited loans and free money to everyone, regardless of ability to repay.馃槀
 
If you don鈥檛 have the funds then people simply shouldn鈥檛 be able to withdraw. Letting them withdraw so you can charge them more in penalties and fines is sick.

Credit is so fucking stupid. You鈥檙e basically borrowing money you don鈥檛 need just to pay it back for a score. Nonsense
 
Poor people are the ones being screwed by both. Especially when trying to rent.
 
On track to be my new favorite tweeter.
 
In reply to @ninaturner
 
In reply to @ninaturner
Great! Now do abortion.
 
In reply to @ninaturner
Are you a Licensed Lender
 
In reply to @ninaturner
Dave Ramsey agrees. 馃憤
 
馃幆馃幆馃挴馃挴
 
Keep the poor always poor ,is all designed by the rich.
 
 
The Department of Education was created in 1979.
OSHA was created in 1971.

We can live without them.
 
 
In reply to @ninaturner
Humans and particularly those of the banking, sales, and lawyer variety are just the fucking worse.
 
 
In reply to @ninaturner
Its expensive being poor馃ゲ
 
In reply to @ninaturner
Would you loan your own money to someone you know nothing about?
 
In reply to @ninaturner
Sure, we can live without them. In tents.
 
& before 9/11, there weren't luggage fees :-(
 
In reply to @ninaturner
Can't disagree. Banks can and should just deny the charge.
 
 
In reply to @ninaturner
We can live without antisemites as well and yet they are breeding amongst @TheDemocrats like rabbits on heat
 
 
In reply to @ninaturner
I'm fine with overdraft fees being either eliminated or significantly reduced. Why eliminate credit scores? So people can hide the fact that they don't pay their bills?
 
I always thought that credit score and interest is a scam.
 
 
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