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Getting declined by Household has made me mad, I want an approval but have no good reason for it!
I know Credit One will give me card since I just closed them about 6 months ago, but they only offer limits up to $1000, although that would probably be far better than my Sears Solutions MC!
Should I replace that, or add to it, or do nothing?
Do you have any bank cards or is the sears card your only card?
The only thing bad I have to say about credit one (besides the AF) is I have to mail in my payments to avoid a fee.
I feel like somewhat of a credit addict myself now that I am cleaned up and on the road to recovery. Everytime I get approved I get this great feeling and want to try again. I dont know how I am going to make myself be app free this coming year.
I have a ton of Joint Accounts but most of the accounts in my name only have been closed by issuer this year
So I don't NEED credit, because I have over 75k worth, but should I be building more credit in my name only or does it really not matter. I like the feeling better
okstatefan5945 wrote:
Do you have any bank cards or is the sears card your only card?
The only thing bad I have to say about credit one (besides the AF) is I have to mail in my payments to avoid a fee.
I feel like somewhat of a credit addict myself now that I am cleaned up and on the road to recovery. Everytime I get approved I get this great feeling and want to try again. I dont know how I am going to make myself be app free this coming year.
view item #3 of siggie.
repeat as mantra several times a day.
arguably an even better feeling than any card will do approval is maintaining well the card(s) that you have good use for and casting aside those that would just be good for occupying itchy app fingers. congrats on your progress! stay the course of siggie, you won't regret it.
@Anonymous wrote:Do you have any bank cards or is the sears card your only card?
The only thing bad I have to say about credit one (besides the AF) is I have to mail in my payments to avoid a fee.
I feel like somewhat of a credit addict myself now that I am cleaned up and on the road to recovery. Everytime I get approved I get this great feeling and want to try again. I dont know how I am going to make myself be app free this coming year.
It's very easy. You just don't apply anywhere. It's been over 5 years since I got my last CC (I have 7 total) and I have no desire for another one.
Here's to you having the willpower to resist.
From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
You can do the same thing with hard work.
@Creditaddict wrote:Getting declined by Household has made me mad, I want an approval but have no good reason for it!
I know Credit One will give me card since I just closed them about 6 months ago, but they only offer limits up to $1000, although that would probably be far better than my Sears Solutions MC!
Should I replace that, or add to it, or do nothing?
I'd say since Credit One recntly AF jacked all their current customers and added the NO GRACE PERIOD, they're a pretty mean company. I just closed mine and couldn't be happier. I'm sure you had good reasons to close yours 6 months ago so maybe you should go back to those? My vote? Stay as far away as you can!!! Have you tried Orchard? I know they have that pre-approval site. Maybe that would work for you?