topic Re: Would Any One Like to Join Me???? in Credit Cards

Would Any One Like to Join Me????

peaved_about_credit — Tue, 07 Aug 2007 07:22:03 GMT

I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply! Sort of a support group. Anybody with me?

Re: Would Any One Like to Join Me????

jizoe182 — Tue, 07 Aug 2007 11:08:22 GMT

peaved_about_credit wrote:
I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply! Sort of a support group. Anybody with me?

Sounds cheesy, but I think it's a good idea. It will definitely help me from applying for new credit cards if I have someone screaming down at me, "CONTROL YOURSELF, **bleep**!" lol

Re: Would Any One Like to Join Me????

HouseHunter — Tue, 07 Aug 2007 11:14:47 GMT

I went four months between apps and only applied then because I needed to make a large purchase. I don't play that app game anymore because it did more short-term harm than good for me personally. Maybe in a year or two I'll apply for something or will apply again if I have to make another large and necessary purchase. However, for now, I'm perfectly content with what I have and the score increases I've gotten as a result.

Re: Would Any One Like to Join Me????

jizoe182 — Tue, 07 Aug 2007 11:29:12 GMT

Once I get my scores above 700, I'm gonna go out and apply for an auto loan. Actually... does anybody think using your high limit credit card is a good idea to buy a car instead of spending the hassle of getting a loan???

Re: Would Any One Like to Join Me????

RockSolid — Tue, 07 Aug 2007 11:34:35 GMT

NO WAY>>>> Get an auto loan, Its fixed and is simple intrest.

Re: Would Any One Like to Join Me????

Jamesus81801 — Tue, 07 Aug 2007 16:19:36 GMT

RockSolid wrote:
NO WAY>>>> Get an auto loan, Its fixed and is simple intrest.

Not too mention that if you use your cards, you'll murder your utilization and who says you won't need to make another large purchase and need that high score still.

Just go to a bank or credit union you are comfortable with and apply to be pre-approved for a certain amount, then you can go to the dealer and work out a good deal on the car, without having to worry about financing and interest and all the other ways they try to screw you over at car dealerships.

In the end, you'll find that this will most likely be much less stressful and troublesome.

Just my thoughts...

Re: Would Any One Like to Join Me????

Tmleverage — Tue, 07 Aug 2007 16:34:34 GMT

peaved_about_credit wrote:
I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply! Sort of a support group. Anybody with me?

Count me in I am at day 1........:smileyvery-happy:

Re: Would Any One Like to Join Me????

ccaddict — Tue, 07 Aug 2007 16:40:11 GMT

1 month for me. what really stopped me was 2 denials. :/

Re: Would Any One Like to Join Me????

BKed_Rebound — Tue, 07 Aug 2007 16:48:41 GMT

2 days for me....I applied over the weekend for 4 cards....what stopped me for a little while was having 44 inq's on my TU. Got it down to 12 now I'm good to go...:smileytongue:

Re: Would Any One Like to Join Me????

rbbyrbsn — Tue, 07 Aug 2007 17:03:30 GMT

RockSolid wrote:
NO WAY>>>> Get an auto loan, Its fixed and is simple intrest.

After I got the loan ,I charge the card on my rewards card, and send the loan to the CC

Re: Would Any One Like to Join Me????

RockSolid — Tue, 07 Aug 2007 17:26:48 GMT

whats the rate on the cc? whats the default rate? What creditcard is it. In my openion its a RISKY move you cant trust ccc........How much is the loan?

Re: Would Any One Like to Join Me????

flygirl — Tue, 07 Aug 2007 17:40:15 GMT

I'm in.....I really need to chill on the CC apps...8 new cards since my credit improvement journey began in June!!! I think I need a liitle break, and so does my inquiry page!!:smileywink:

Re: Would Any One Like to Join Me????

peaved_about_credit — Tue, 07 Aug 2007 19:33:13 GMT

Day one for me........not wanting to apply for anything today. I think me initiating this thread was like pressure not to apply. Feeling good..................

Re: Would Any One Like to Join Me????

Jamesus81801 — Tue, 07 Aug 2007 19:42:15 GMT

I think I've been good for one week... Since I came here a month ago, I applied for AMEX, Citi, and BoA... got only the AMEX.

Asking for a recon with Cit.

BoA said that because I recently opened a PLOC that I had enough available credit in comparison to my income and that I should wait a while and build a positive history with them and then reapply in maybe 6 months or so if I am still interested.

In then end I want my AMEX, the Citi MC, a decent Discover, and a BoA card. I've read good things about all of these lenders and I would be content with just these cards and my store charge accounts.

So 7 days for now, knowing that I will apply again in 6-12 months.

Re: Would Any One Like to Join Me????

Help — Tue, 07 Aug 2007 20:47:24 GMT

peaved_about_credit wrote:
I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply! Sort of a support group. Anybody with me?

Count me in!

Re: Would Any One Like to Join Me????

Tmleverage — Tue, 07 Aug 2007 23:23:37 GMT

Tmleverage wrote:

peaved_about_credit wrote:
I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply! Sort of a support group. Anybody with me?

Count me in I am at day 1........:smileyvery-happy:

At day two's and shaking........:smileyhappy:

Re: Would Any One Like to Join Me????

peaved_about_credit — Thu, 09 Aug 2007 02:57:09 GMT

STILL HAVEN'T APPLIED FOR ANYTHING YET. BUT TEMPTED TO APPLY FOR THIS REDCARD FROM TARGET EVERY ONE'S TALKING ABOUT.........

Re: Would Any One Like to Join Me????

tessarue — Thu, 09 Aug 2007 03:11:23 GMT

I've only applied for 2 cards since coming to the boards (one on July 27 and one on the 31st) and was approved for both (yay!). Decided I should probably stop though, since I'm going to be in school and don't know if I'll be working...So for me it's been 8 days!

Re: Would Any One Like to Join Me????

egg — Thu, 09 Aug 2007 03:52:51 GMT

Eight hours and holding!

Re: Would Any One Like to Join Me????

flygirl — Thu, 09 Aug 2007 04:14:38 GMT

peaved_about_credit wrote:
STILL HAVEN'T APPLIED FOR ANYTHING YET. BUT TEMPTED TO APPLY FOR THIS REDCARD FROM TARGET EVERY ONE'S TALKING ABOUT.........

Come on Peaved....don't do it!!!! Just wait a while!!! CONTROL AND DISCIPLINE!!!!! :smileywink: