topic Re: October AA Meeting in Credit Cards

October AA Meeting

AZHeather — Fri, 05 Oct 2012 22:32:39 GMT

Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.

Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.

The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!

That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.

Re: October AA Meeting

creditnocash — Fri, 05 Oct 2012 22:59:18 GMT

lol congrats on being 129 days clean.

keep yourself busy and you will have no reason to app for anything.

i myself am only 35 days clean but plan on 720+

Re: October AA Meeting

LS2982 — Fri, 05 Oct 2012 23:00:32 GMT

AZHeather wrote:
Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.

Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.

The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!

That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.

Now thats deep!!! :smileyvery-happy:

Re: October AA Meeting

adavis425 — Fri, 05 Oct 2012 23:00:47 GMT

AZHeather wrote:
Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.

Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.

The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!

That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.

Lol! OMG!! Boy, did you ever nail that!! :smileylol: The only cure is denial, but alas, even that is temporary. Good luck gardening. :smileytongue:

Re: October AA Meeting

LS2982 — Fri, 05 Oct 2012 23:27:43 GMT

adavis425 wrote:
AZHeather wrote:
Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.

Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.

The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!

That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.
Lol! OMG!! Boy, did you ever nail that!! :smileylol: The only cure is denial, but alas, even that is temporary. Good luck gardening. :smileytongue:

" The CC Monologues"

Get a director on this!!!! :smileyvery-happy:

Re: October AA Meeting

calihlove75 — Fri, 05 Oct 2012 23:51:44 GMT

AZHeather wrote:
Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.

Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.

The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!

That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.

LOL, I am glad I am not the only one going through page 3 of the application and not submitting. I save and get the reminder email to finish the application until it expires and do it all over again. March 2013, March 2013.

Congrats on staying 'clean'. You can do it!!!

Re: October AA Meeting

Duncanrr — Sat, 06 Oct 2012 01:13:47 GMT

Hello. My name is Duncan and its been almost a month since my last drapping (drunk apping). I had a close scare and nearly crashed my FICO score into a wall of denial. I was able to pull out if the slide before crashing into the wall (successful recon).

My new car is in the shop (thanks to temporary high utilization) and I hope to have it running for the early summer season. If I'm able to fight off my drapping I hope to one day race jets with other FICO high flyers!

Re: October AA Meeting

creditnocash — Sat, 06 Oct 2012 01:16:15 GMT

Duncanrr wrote:
Hello. My name is Duncan and its been almost a month since my last drapping (drunk apping). I had a close scare and nearly crashed my FICO score into a wall of denial. I was able to pull out if the slide before crashing into the wall (successful recon).

My new car is in the shop (thanks to temporary high utilization) and I hope to have it running for the early summer season. If I'm able to fight off my drapping I hope to one day race jets with other FICO high flyers!

this kind of works both ways for you duncanrr.

i cant decide if the car is a metaphor or not though lol.

Re: October AA Meeting

Duncanrr — Sat, 06 Oct 2012 01:20:20 GMT

;) I don't drink n drive. That's just stupid.

Is there a FICO tipsy taxi I can call? ;)

Re: October AA Meeting

aplast — Sat, 06 Oct 2012 01:27:48 GMT

The app and getting approved is great, but the "high" for me is calling that back door number and trying to sweet talk the analyst hoping being pleasant will get me a better CL. Haha anyone else enjoy those phone calls??

Re: October AA Meeting

creditnocash — Sat, 06 Oct 2012 01:58:09 GMT

Duncanrr wrote:
;) I don't drink n drive. That's just stupid.

Is there a FICO tipsy taxi I can call? ;)

i meant drink and app.

and the car was just in the repair shop and caused you to use your new cards and have high util. lol

i would never drink and drive.

as for that is that taxi free? and takes you to reverse bad decisions while drinking 101

Re: October AA Meeting

Duncanrr — Sat, 06 Oct 2012 02:05:48 GMT

:) yup. I avoided the crash in the wall but damn Hurricane Isaac managed to ding up my car. On a plus side, I got a Zync card while try still had them. I was planning on waiting till Nov to app. But for hurricane Isaac I would had missed out on getting it.

Re: October AA Meeting

Dustink — Sat, 06 Oct 2012 02:08:51 GMT

aplast wrote:
The app and getting approved is great, but the "high" for me is calling that back door number and trying to sweet talk the analyst hoping being pleasant will get me a better CL. Haha anyone else enjoy those phone calls??

My name is Dustin, and I also enjoy sweet talking the credit department. They kindly tell me to be patience and in time more credit will be available. They offer me some courtesy rewards points, which just feeds my addiction.

Re: October AA Meeting

armbenderc — Sat, 06 Oct 2012 02:13:26 GMT

I'm trying very hard not to app. Today, I have Barclays apple visa fill out and let it sitwhile I watch tv. I'm also dying to get Walmart discover and not to mention Amex green card.

Re: October AA Meeting

Duncanrr — Sat, 06 Oct 2012 02:16:03 GMT

Sounds like someone needs to call their sponsor.

Re: October AA Meeting

Dustink — Sat, 06 Oct 2012 02:20:21 GMT

armbenderc wrote:
I'm trying very hard not to app. Today, I have Barclays apple visa fill out and let it sitwhile I watch tv. I'm also dying to get Walmart discover and not to mention Amex green card.

We are here for you.

Re: October AA Meeting

maiden_girl — Sat, 06 Oct 2012 02:34:22 GMT

LOL this thread is too funny.

I've been app free for 23 days. Smh...the joy of getting that approval but the low of getting that denial and the inquiry. *sigh* No more apps!

Re: October AA Meeting

calihlove75 — Sat, 06 Oct 2012 03:07:38 GMT

Just give me one more app...just one more and I promise I will stop..lol

Re: October AA Meeting

adavis425 — Sat, 06 Oct 2012 03:15:41 GMT

I can quit whenever I want......:smileywink:

Re: October AA Meeting

alboto — Sat, 06 Oct 2012 03:24:51 GMT

just one more app..... spree!! :smileyvery-happy: