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your goal was accomplished in that your score improved. i dont think new CCs validate much. but, good job!
.......$23k....................$8k......................$2k
Current FICO EQ: 775, EX: 764 | Current FAKO CK: 788
You can fiind a new goal. You may have reached a peak in credit but credit is only one part of the personal finance picture. Credit only gives you the ability to borrow money and the better your credit they less you will pay to borrow money. Yes, on this board we are all trying to take advantage of signing bonuses and transaction based rewards but it's easy to peak there too.
You can easily pick another personal financial goal. Grow investments or savings, build a personal business, etc. Or you can simply relax and enjoy the flexibility your hard work gives you
Don't worry about feeling a bit of a loss now that you have acheived a goal. That is TOTALLY normal. I see it all the time with myself and my friends. Many people end up a little lost and not knowing what the next step is when they acheive a milestone like finishing their Masters or PhD, or successfully completing a race that they trained for like a marathon.
+1 @cakebuilder
OP, your credit cards aren't toys nor should you treat them as symbols of status. That's where so many people screw up. Pat yourself on the back: be proud you turned your credit risk around and now if you need ityou have the credit available for emergencies or even carefully planned spending. Don't even worry about your score. Just keep paying on timer and that FICO will rise in time.
Focus on other important areas of your life and find pleasure there.
unlucky, be thankful you accomplished your goal. You put in the hard work over years, so now enjoy it.
If you still feel unsatisfied, pick up a new hobby, and learn to master it too!
@unlucky_hove wrote:I struggled for so long to get my credit up to a satisfactory point. I started out with horrible credit and the only card i qualified for was Orchard bank, credit one, etc. I finally reached a point where my credit score is now considered excellent and can get any card i want (within reason). Now that I have every card I dreamed of having with prime lendors (Amex, Discover, etc.) I dont have anything to look forward too. Its like having a ferrari in the driveway but not being able to take it for a spin to show it off. Its kind of a odd feeling not working towards a certain CC? Should i strive for an 800 and after I hit that, what then?
You just need more goals, higher goals, and continue to push and don't stop until you get there. And when you get there, challenge yourself further. (Like all things in life, right?)
I could think of a few things.. You can be the first to have a CreditOne, FirstPremier, and a Palladium, Centurion, in your wallet. You could create your own Credit Card and make it so hard to get, even you can't get it without being denied a bunch of times first. Or the ultimate challenge of all time... you can try to have more cards than Ron. lol
Work toward getting that 800 cs and getting higher cl's on your existing ones. This is what I am doing and it is just as satisfying, at least it is for me.
As long as that Palladium and Cenurion Black in the wallet Im not done , :-)
@unlucky_hove wrote:I struggled for so long to get my credit up to a satisfactory point. I started out with horrible credit and the only card i qualified for was Orchard bank, credit one, etc. I finally reached a point where my credit score is now considered excellent and can get any card i want (within reason). Now that I have every card I dreamed of having with prime lendors (Amex, Discover, etc.) I dont have anything to look forward too. Its like having a ferrari in the driveway but not being able to take it for a spin to show it off. Its kind of a odd feeling not working towards a certain CC? Should i strive for an 800 and after I hit that, what then?
Wow, had that very thought this morning; even posted about it a while back. Looked at the Everyday, but it's not tempting me at all. So, yeah, I'm just working my way to 800. Not sure what to do after that.
There are other things to do after 800.
Work toward a perfect 850
See how long you can stay at 850
Beat your previous 850 record
Ultimately, when the credit score is that high pushing further is more of a game than a striving. If it isn't fun then just don't.
Well....you could take a cash advance against all your cards to the full CL, declare bankruptcy, let your cards charge off then wait until the collectors call. Now imagine the fun you could have going through all this process knowing exactly what to do to get back to 700 credit scores....its an option.