Credit Cards

[Skinnyminnie]

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drsmith wrote:

I have 1 inq on EQ, 2 on EX, but I really want to app for the Freedom

I dont need it though. I'm fighting with myself on it.

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Doeeeet, I wanna see what kind of CL you get.  

[dalebb]

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Skinnyminnie wrote:

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drsmith wrote:

I have 1 inq on EQ, 2 on EX, but I really want to app for the Freedom

I dont need it though. I'm fighting with myself on it.

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Doeeeet, I wanna see what kind of CL you get.  

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lol so do i

[discernment]

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Datx wrote:
"....I obviously have no self control and everytime I see an approval thread, I get so excited that I try to app for the same card myself."

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  I wonder if after a year of waiting to finally get a FICO score if I will be like you!

[KLGFCG]

I'd like the CCC's to stop offering such fantastic sign up bonuses. I was FINE with the few cards I had, then all these companies started throwing out free money, and all of a sudden I'm up to 12 cards... yikes! $1040 in free money just for using cards for things I was going to buy anyway though... too good to pass up! Since I already have a mortgage and a car loan, I may as well use my good credit for something!

Aw, who am I kidding... I want more sign on bonuses!!!! Who cares if I need a spreadsheet to manage all my cards now... I'm all about the free cash.

[dalebb]

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discernment wrote:

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Datx wrote:
"....I obviously have no self control and everytime I see an approval thread, I get so excited that I try to app for the same card myself."

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  I wonder if after a year of waiting to finally get a FICO score if I will be like you!

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what r ur scores?

[dalebb]

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KLGFCG wrote:

I'd like the CCC's to stop offering such fantastic sign up bonuses. I was FINE with the few cards I had, then all these companies started throwing out free money, and all of a sudden I'm up to 12 cards... yikes! $1040 in free money just for using cards for things I was going to buy anyway though... too good to pass up! Since I already have a mortgage and a car loan, I may as well use my good credit for something!

Aw, who am I kidding... I want more sign on bonuses!!!! Who cares if I need a spreadsheet to manage all my cards now... I'm all about the free cash.

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[discernment]

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dalebb wrote:

what r ur scores?

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I don't have any scores.  FICO doesn't give anyone a score until they've had OPEN accounts for at least 6 months.  I have only recently gotten back into the credit game after years and years of using cash only. 

[dalebb]

so u have no idea where u stand? have u tried creditkarma.com or credit.com for atleast free fako scores?

[discernment]

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dalebb wrote:

so u have no idea where u stand? have u tried creditkarma.com or credit.com for atleast free fako scores?

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I use the Credit Monitoring Service through USAA Bank which gives me daily credit report pulls on all 3 credit bureaus, that's what I've been interested in the most!  They also give their FAKO PLUS Scores but, I don't pay any attention to those since they're worthless, fake and count for nothing. 

[drsmith]

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dalebb wrote:

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Skinnyminnie wrote:

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drsmith wrote:

I have 1 inq on EQ, 2 on EX, but I really want to app for the Freedom

I dont need it though. I'm fighting with myself on it.

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Doeeeet, I wanna see what kind of CL you get.  

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lol so do i

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If I do it I'm going to wait it out a few more days

Want to make sure my BoA has all the time it needs to report the huge drop in the balance I've been carrying.