Banned for being a "known tankie"

I saw this post titled "Scratch a anti-harm reductionist and a fascist bleeds" (https://lemmy.world/post/33320759)

I commented that "harm reduction" apparently means sending billions in weapons to israel while they commit genocide and shutting down campus protests speaking out against that genocide. I said that seemed pretty fascist to me.

Within an instant, they downvoted my post and banned me. Guess it's my fault for posting in a circlejerk community, but I'm still scratching my head on how that makes me a tankie. Something tells me this mod would be calling in the tanks to suppress any dissent if they could.

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I have no input about the original ban, but I was curious and glanced at your profile:
I have only one credit card which I charge everything to (credit limit is more than enough at over $10k) and which I pay off in full each month and have no absolutely debt, therefore my credit score is absolute dogshit.
That's not how credit scores and credit cards work. You would already need an excellent credit score to get the $10k limit in the first place, but on top of that having a credit line open in the specific form of a consumer credit card, charging a lot to it, and then consistently paying it off, is pretty much the textbook way to get an excellent credit score. I can't off the top of my head think of a way to get a better one. The reason is that that specific way winds up funneling a pretty significant amount of money to the credit card companies every month, but exposing them to very little risk, and that's precisely their favorite thing in the world.
Why are you lying about this unimportant point? Like I say, it's not related to anything about the original ban, but it's a weird thing to lie about.
- Hi Philip we've already talked about our policy on bad-jacketing people, and especially so on such flimsy "evidence". It's also completely off topic and ad hominem to boot. Just because you are camouflaging your accusations behind innuendo like this...
  Why would I lie about this?
  You tell me.
  ... doesn't mean that its not bad-jacketing. Please follow the spirit of our instance rules in future.
  
  Please follow the spirit of our instance rules in future.
  Oh, absolutely. Yes, sir.
  
  You should probably use they/them to refer to them.
- How is it relevant, exactly?
- This would be more fit as a reply to the original comment, no?
  
  It's more relevant to the conversation here of "are they worth banning because of bad faith behavior" than it is to the conversation about credit scores.
  I don't think the moderator's dismissive language "known tankie" is really accurate or productive, even if the mod has some kind of awareness of a history of bad-faith behavior. But, it's relevant to the ban if they have a history of bad-faith behavior, and whether they're lying about stuff has relevance to that.
  I realize I'm stepping into and increasing a whole tribal "tankie vs liberal" civil war here by weighing in, which maybe isn't a good idea. Banning someone simply because they're a tankie, I don't agree with, if that's the real reason, it's PTB. If that is some kind of careless insulting code for some other behavior which is the actual issue, I think they should say that. But the issue from my comment is just the first thing that jumped out at me looking at the YPTB question, and I thought it definitely might be relevant and so I decided to speak on it.
- 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?
  
  It's probably going up and down a lot because of credit utilization.
  If you don't have a lot of credit ($10,000 isn't very high) and you're using up to 10% ($1000/$10000) every month then you'll appear to be highly leveraged on credit.
  If you had $50000 in total credit and used up to $1000 of it every month then that's only 2% credit utilization.
  Also, you have been exceptionally patient with someone interrogating you over something entirely unrelated to your original post.
  
  you're using up to 10% ($1000/$10000) every month then you'll appear to be highly leveraged on credit
  Hi! I have some helpful feedback for you. Just to help you understand how credit cards work.
  https://eu.usatoday.com/story/money/2025/06/14/how-to-build-850-perfect-credit-score-fico/84163305007/
  10% is what this person refers to as the "sweet spot." They recommend keeping it under 30% or you may get actual significant penalties. Lower than 10% may be useful if you want to get every last point of credit score, but there's no universe where 10% would be "highly leveraged."
  I definitely value your input as to my interrogations, and total unreasonableness. Please understand, my goal is purely to share knowledge about credit cards specifically, and definitely not to accuse this poster at this point of anything in particular.
  
  I'm so glad my country doesn't use credit scores. Getting punished for utilization sounds cursed. If the limit is 10k, you should be able to use those 10k, not 1-2k, before penalties apply.
  
  You're not being helpful, but you are being patronizing and pedantic about my phrasing, just like you were with OP.
  As a great man once said, " You're a constipator, Peanut. You disturb my shit, and that's annoying."
  Though I do suppose I owe you a thank you as I was surprised to see a reply from you. I thought I had blocked you yesterday. So, thank you for reminding me to rectify my lapse and block you now.
  
  You’re not being helpful, but you are being patronizing and pedantic
  Being implies a temporary condition.
  
  That's a really great point! I'll try to be less patronizing in the future, that's helpful feedback, thank you.
  
  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.
  
  "lmao u doin it wrong and lyin" troll
  Rude
  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%.
  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/
  “And I think the best practice here is to try to keep your utilization under 30%,” O’Leary said. “But I think the sweet spot is 10%, or even less than 10%.”
  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."
  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.
  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.
  
  My score didn't drop a tiny amount, it dropped by about 100 points
  So from "excellent" to "still excellent, but lower." Mine was high 700s at one point and I couldn't get above a $4k limit and I tried.
  My living expenses are low and some of the larger transactions are paid direct from my bank account to avoid credit card fees.
  You're not from the US, are you.
  Which is fine, but why would you be pretending to be? Why not just say "I'm not really familiar with what normal living expenses and credit limits are in the US, or how the credit and banking system works there, because I don't live there and never have, which is why I never made any kind of post about how my US credit score is right now"?
  Semi-expecting for me to get some kind of heat from the moderators for this line of inquiry BTW lol. That is honestly the only explanation I can see for it, though. Maybe I am wrong and there is some other explanation.
  Why would I lie about this?
  You tell me.
  
  Believe whatever you want to believe. I briefly considered posting my credit score history graph from my bank, but I really have no reason to try to prove anything to you and you'd probably excuse it with something else like "why are you lying about missed payments?" or "you could've easily faked this graph" or some other explanation. I shared my experience with the credit score system (yes, in the US) and that's that.
  
  I really have no reason to try to prove anything to you
  You don't owe me any explanation or proof of anything, no. I'm mostly raising an issue for the awareness of anyone else reading, and giving you a chance to explain and defend your comments and claims if you want to.
  
  Cool. While you're digging around my comment history, why not dig up a comment where I'm a tankie saying tankie things? That would be a lot more relevant.
  
  Phillip is a defender who lies for PugJesus, the person who removed your comment.
  He has literally been caught lying to defend Pug in the last 24 hours.
  
  It's too late for that! You lied about having missed payments; now you're condemned to "YDI" 😤
  
  I don't actually think people should get banned for being tankies. My provisional reaction to the actual moderation question is PTB, just because they're either censoring you for your viewpoint (which they shouldn't do), or else using that as insulting shorthand for some other more malicious behavior (which they also shouldn't do, although it's more understandable.) I don't care enough about that question to look into it all that much, though. You apparently casually lying about being from the US and also having some unknown-to-me kinds of views which brought you into conflict with those specific people is a lot more interesting to me than whatever moderation event, honestly.
  
  You want to throw them in a lake and see if they float or sink too?
  
  Dude, leave the guy alone about his living expenses. You don't know anything about the guys living situation. Calling him a liar just because the numbers seem low to you, is out of line, even for you.
  WTF is going on with you lately?! You were always kind of a jerk IMHO, but damn, lately you just seem to be accusing people everywhere of the most strange shit. You just accused a dude of not living in the U.S. because you don't like or understand his credit card charges?!
  Not only that, but you only brought the very off-topic up because you went to go check his post history about unrelated shit. The fuck?!
  You need to go touch grass, friend.
- Bad faith ad hominems from dirt-digging are obnoxious, and this one especially so, because it’s so blatant and such thin gruel.
- Why are you snooping around in someone's comment history for irrelevant gotchas?
  Oh right. Someone criticized pugjesus and it personally offended you.
  
  Phil recently said he was unaware of Pug being a moderator anywhere, but is active wher Pug mods, and even talks to them about moderation.
  I wonder why...
  
  I've seen a lot of talk about Philip going to great lengths to defend PJ no matter what, but this is the first time I've seen it firsthand. And... yikes. They were not kidding.
  
  Really just embarrassing on both ends.

133 comments