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[Büge]

They say his name is Beelze, bub.

[Silversong]

Websites that say things are going on sale at a certain day and time, but don't say where/what time zone.

[Classic]

So I've been listening to Active Time Babble while I do otherwise mindless RPG grinding (it seems like an appropriate compliment to the task) and I just listened to this part in episode 2 where Shane gets high and mighty about knowing what "THAC0" is but he mispronounces the acronym. Fuuuck. I want to reach back in time and shame that guy.

[Büge]

Is there a proper pronunciation? I've always just rhymed it with "wacko".

[Classic]

It does. That's how it's pronounced. Because the "A" is part of the word "Armor". He pronounced it "THAY" "KO". WHY WOULD YOU DO THAT!? It's obviously wrong!!!!

0 is pronounced "OH" though, because it's a zero.

[Lottel]

I thought it was Thay-Coh. That's how I've always heard it said.

[Classic]

How does that even make sense!? You're dead to me Lottel. DEAD TO ME!!! FUUUUCK.

EDIT:
Lottel is not really dead to me.

[Disposable Ninja]

I always pronounced it "Taco".

Because reading is hard.

[François]

I was telling my mother about my anti-semitic encounter the other day. Her response? "Well maybe if you didn't have a beard that guy wouldn't have yelled at you. You provoked him."

Huh. So that's how that feels.

Wonder what would her advice have been if I had actually been a Jew.

Later in the conversation she mentioned how she went to a dance, and when she was leaving a guy followed her into the parking lot and got all gropy. "Now tell me, do I look like a slut? Am I dressed like a whore?"

Christ.

[Royal☭]

Websites that redirect on error, rather than embedding it into the page you're on. Because my first reaction upon seeing an error is to refresh. This doesn't work if I'm on www.thissiteorwhatever.com/error?YouGoAnError=true&whatever=butts%are%rad%my%friend&LockUserOnErrorScreen=Yes%Most%Definitely

[François]

When I got my checking account at Caisse Desjardins last year, I requested a Visa Desjardins credit card to replace the one I've had with the Royal Bank of Canada, because the latter are in a really inconvenient location and I'd rather deal with only one bank. My request was denied, because they figured I was a credit risk. Somehow. I have no debts, I have never defaulted on anything ever, and I've paid any interest at all like twice in my entire life.

I just received an offer from Visa RBC to increase my credit card limit from 2500$ to 4000$. Called them up, no waiting, girl congratulated me on my credit history, and upped me to 4k with no questions asked. (I never rack up more than about 400 per month for living expenses and literally pay my balance in advance; most of the time Visa owes me money. I'm not even tempted to use all that credit. I just like having it on record that I'm hella responsible and shit.)

Still can't get a Visa Desjardins to replace it.

Long story short, I'd like to pour a bucket of microscopic perverts on banks so they can get fucked in every god damned pore.

[Mongrel]

Maybe something to do with the fact that they're a caisse populaire (i.e. a credit union for the non-French speakers) rather than an actual bank?

Of course Desjardins is big enough that it effectively functions just like any other big, obnoxious Canadian bank, so WHO KNOWS.

[François]

I don't see how that'd make much of a difference. In fact, since I technically own a tiny fraction of the Caisse, shouldn't it be easier for me to get credit there than from a private company named after the British Crown? Heck, the Caisse was founded in 1900 by Alphonse Desjardins because French-Canadians couldn't get any loan of substance from English-Canadian banks. This situation is absurd.

[Beat Bandit]

Yeah, that's pretty fucked. My experience is the exact opposite with credit unions. Basically giving people money to start accounts and offering 25%+bjaypr (blow jobs per annual percentage rate) on loans for anything you want.

[Shinra]

When I got my checking account at Caisse Desjardins last year, I requested a Visa Desjardins credit card to replace the one I've had with the Royal Bank of Canada, because the latter are in a really inconvenient location and I'd rather deal with only one bank. My request was denied, because they figured I was a credit risk. Somehow. I have no debts, I have never defaulted on anything ever, and I've paid any interest at all like twice in my entire life.

I just received an offer from Visa RBC to increase my credit card limit from 2500$ to 4000$. Called them up, no waiting, girl congratulated me on my credit history, and upped me to 4k with no questions asked. (I never rack up more than about 400 per month for living expenses and literally pay my balance in advance; most of the time Visa owes me money. I'm not even tempted to use all that credit. I just like having it on record that I'm hella responsible and shit.)

Still can't get a Visa Desjardins to replace it.

Long story short, I'd like to pour a bucket of microscopic perverts on banks so they can get fucked in every god damned pore.

It's probably because your credit history isn't robust enough. No credit is worse than bad credit to a point, no lender right now is lending to people with 0 credit except in certain (extreme) circumstances.

Get a low-limit credit card and make payments on it for six months. Pay some bills off, pay the minimum payment for two months, and then pay the rest off in one shot. And just do that for a while. You don't want to pay it completely off every month or they'll complain about revolving debt. But you have to be able to show that you're capable of making payments on time.

I would maybe find a smaller credit union, TBH.

[François]

I really don't have "zero credit". I've paid off my student loans (which I figure is kind of a big deal considering they didn't actually land me a job), I put a couple thousand's worth of moving expenses and furniture purchases last year entirely on credit (I did have the money but I wound up paying like 20$ interest that month because of a dumb miscalculation on my part), and I bought a 2000$ guitar amp on behalf of my brother one time (which was of course also repaid; he didn't have a card at the time), and God knows how much money I spent on my car back when I had it, several hundred at a time. So it's not like I haven't proven I can handle spikes in my borrowing habits.

[Mongrel]

Yeah, your earlier post makes it clear that not only do you already have a credit card, you've actually been using it. So you should have fully established credit.

DUNNO.

[Shinra]

I really don't have "zero credit". I've paid off my student loans (which I figure is kind of a big deal considering they didn't actually land me a job), I put a couple thousand's worth of moving expenses and furniture purchases last year entirely on credit (I did have the money but I wound up paying like 20$ interest that month because of a dumb miscalculation on my part), and I bought a 2000$ guitar amp on behalf of my brother one time (which was of course also repaid; he didn't have a card at the time), and God knows how much money I spent on my car back when I had it, several hundred at a time. So it's not like I haven't proven I can handle spikes in my borrowing habits.

Have you seen your credit report lately? You might have an outstanding item - like a missed medical bill or something - and a lot of lenders, esp. banks are reluctant to loan to people with negative remarks on their history right now. It might not even be something that is legitimately your debt, or might be something you paid but had already ended up in collections. I don't know how it works in Canada, but I know in the US you can dispute negative marks on your credit report if they're erroneous or the debts have been paid.

[François]

When I got my checking account opened at Desjardins last year they ran a credit check and it was so pure white the girl had to excuse herself for a couple minutes while her vision slowly returned. And I did just get a 60% increase of my limit at RBC because of my flawless financial history. If there's an outstanding issue with my credit these guys ain't finding it either.

[Caithness]

I don't know how it works in Canada, but in the US there are three different credit reporting agencies, and they frequently have conflicting information. Most financial institutions will only check with one of them, so one could get the report that has erroneous info while another doesn't.