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Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011
0

Re: Credit App-Addiction Dungeon

^ I dont know, an enemy who would give me $300 is pretty friendly :smileyvery-happy:


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Contributor
redwalker2929
Posts: 118
Registered: ‎12-01-2010
0

Re: Credit App-Addiction Dungeon

Are you guys calling the back door numbers when your denied credit? I have called Chase 2 different times. One was about thirty minutes ago to get a reconsideration for a chase sapphire preffered....and got approved for 5000.  I also had success with BoA this way!!


Discover More- $4000 Lake Michigan C.U. $4500-6.9%
Amex blue cash-$1000 Amex Delta -$5000 Cap One $6500
Amex Starwood-$2000 Amex Costco-$1200
Chase Freedom$3000 Chase Sapphire Preferred-$5000
BoA- Spirit WORLD MC-$ 5000 BoA-power rewards $2500
PayPal Extras MC $1500
Ex:655,EQ:674,TU:647- (all FICO)Low due to 60% Utilization
Established Contributor
UFGuy2006
Posts: 745
Registered: ‎08-02-2008
0

Re: Credit App-Addiction Dungeon


redwalker2929 wrote:

Are you guys calling the back door numbers when your denied credit? I have called Chase 2 different times. One was about thirty minutes ago to get a reconsideration for a chase sapphire preffered....and got approved for 5000.  I also had success with BoA this way!!


I definitely recommend ALWAYS calling the back door number for a recon if you are denied. Why waste a perfectly good inquiry? :smileyvery-happy:

FICO: EX: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 7 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | Macys X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 36 Cards

Holding off apps until the end of the year! Wish me luck!
Valued Contributor
tcbofade
Posts: 2,532
Registered: ‎09-26-2011
0

Re: Credit App-Addiction Dungeon

Valued Member
sandsanta
Posts: 145
Registered: 11-10-2011
 
Re: LensCrafters Denied. LOL

You need to actually quit for a bit dude.  Your reports are getting toxic and the cards you're applying for now are complete garbage. Stop pushing the envelope for what really is increasingly diminshing returns. 


Starting Score: Ex:676 Eq: 676 TU:664
Current Score: Ex:716 Eq: 676 TU:701
Goal Score: 700+ Across the Board


Take the FICO Fitness Challenge

Shamelessly stolen from another thread....there's wisdom in this post...

Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Established Contributor
ChesterPDexter
Posts: 618
Registered: ‎06-18-2007
0

Re: Credit App-Addiction Dungeon

I'm not going to read all 9 pages, and I'm not sure I belong here.  I wanted to join the garden club but it sounds so boring.

 

I told myself I would not apply for anything, but I got on some sort of crazed, mindless thrill ride yesterday and applied for (it was just one thing, not a thrill ride with multiple "sins") a First National Bank of Omaha VISA.  I think I have a low chance of getting it.

 

I had just gotten my FAKOs into the 700s for the first time ever, also, and a matched set of 711, 711, 711 at that.  They pulled EQ.  I was sure it was going to be EX.  I'm not happy about that.

 

There's a place to check status on their site and I've checked it three times already and I predict about 20 checks per day till I get the big fat NO I'm pretty sure I'll get.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Valued Contributor
tcbofade
Posts: 2,532
Registered: ‎09-26-2011
0

Re: Credit App-Addiction Dungeon


ChesterPDexter wrote:

I'm not going to read all 9 pages, and I'm not sure I belong here.  I wanted to join the garden club but it sounds so boring....

 


There's a place to check status on their site and I've checked it three times already and I predict about 20 checks per day till I get the big fat NO I'm pretty sure I'll get.


LOL! 

 

I dunno...judging by that last sentence, you may have found a home here in the Dungeon...


Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Credit App-Addiction Dungeon


ChesterPDexter wrote:

I'm not going to read all 9 pages, and I'm not sure I belong here.  I wanted to join the garden club but it sounds so boring.

 

I told myself I would not apply for anything, but I got on some sort of crazed, mindless thrill ride yesterday and applied for (it was just one thing, not a thrill ride with multiple "sins") a First National Bank of Omaha VISA.  I think I have a low chance of getting it.

 

I had just gotten my FAKOs into the 700s for the first time ever, also, and a matched set of 711, 711, 711 at that.  They pulled EQ.  I was sure it was going to be EX.  I'm not happy about that.

 

There's a place to check status on their site and I've checked it three times already and I predict about 20 checks per day till I get the big fat NO I'm pretty sure I'll get.


Welcome!

 

The first step in curing your app-addiction is to admit that you have an addiction. Your thrill ride yesterday suggests that there is a inner want to app that might spin out of control. Were here to help!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Credit App-Addiction Dungeon


ChesterPDexter wrote:

I'm not going to read all 9 pages, and I'm not sure I belong here.  I wanted to join the garden club but it sounds so boring.

 

I told myself I would not apply for anything, but I got on some sort of crazed, mindless thrill ride yesterday and applied for (it was just one thing, not a thrill ride with multiple "sins") a First National Bank of Omaha VISA.  I think I have a low chance of getting it.

 

I had just gotten my FAKOs into the 700s for the first time ever, also, and a matched set of 711, 711, 711 at that.  They pulled EQ.  I was sure it was going to be EX.  I'm not happy about that.

 

There's a place to check status on their site and I've checked it three times already and I predict about 20 checks per day till I get the big fat NO I'm pretty sure I'll get.


I'll grant you that gardening is not the visercal thrill that apping is, but at some point it does become necessary. After a certain point, continuous apping is harmful to one's scores and reports -- the AAoAs remains low and inqs continue to rack up.

 

Gardening comes with quieter rewards -- watching one's AAoA inch up, qualifying for CLIs, etc. We've celebrated a few members' CLIs in the Garden Club this month, including a whopping $4000 CL on my DH's Lowe's card. It is cause for joy when a card with a toy limit suddenly becomes usable for major purchases.

 

Gardening also allows one to have time to contemplate whether or not adding a new account is really and truly worth doing, and if it is, then evaluating whether or not the time is right. I've recently received an offer for a card that's on my wish list, but I still have some baddies on my reports that need to drop off. I really want the card, but am deliberately holding off until things age off next year. That way, I'll have a much better chance of approval and won't have to contend with a plethora of inqs left over from unsuccessful attempts. It's a matter of making sure that the soil is right before planting.

 

So, boring? Compare to apping, yes. But, it comes with it's own little joys and a sense of quiet satisfaction. :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011
0

Re: Credit App-Addiction Dungeon

Gardening can only happen AFTER apping, usually an app spree followed by the inevitable denial.  It is almost impossible to deter an apper...when they are getting approvals.  LOL.

Regular Contributor
shaddix
Posts: 149
Registered: ‎10-28-2011
0

Re: Credit App-Addiction Dungeon

I don't think its so bad. I've read on here that after you get 12+ inquiries, more than that are practically irrelevant. As in 12 INQ is just as bad as 50 INQ.

 

My new personal tactic, since my credit history is fairly short. Is to get as many no annual fee cards as I possibly can. Inquiries be damned. If I can get 30 credit cards, I will get 30 credit cards. They will all report on my credit report for the next 10 years even if they close and my AAoA will be invincible.


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