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Garden Club Meeting - July 2013

New Contributor

Re: Garden Club Meeting - July 2013

Still hanging tight since March 6th. Soon I will be trying for AMEX again. I couldn't get one in 2012, hope I can get one this year for future backdating. FICO steadily over 700 4 months now.

Message 531 of 2,774
Moderator Emerita

Re: Garden Club Meeting - July 2013

@alakazam

I'm sure you'll achieve your goal of an Amex...keep up the good work!
Message 532 of 2,774
Senior Contributor

Re: Garden Club Meeting - July 2013


alakazam wrote:

Still hanging tight since March 6th. Soon I will be trying for AMEX again. I couldn't get one in 2012, hope I can get one this year for future backdating. FICO steadily over 700 4 months now.


Nice staying power!  Good luck with AMEX - things are looking good.

Message 533 of 2,774
Moderator Emeritus

Re: Garden Club Meeting - July 2013


Revelate wrote:

maiden_girl wrote:

Why is it so hard not to app? Seriously.


Psychologically paople measure themselves against any number of criteria.  For that matter, credit card applications may well be akin to gambling from the endorphin rush which is generated.

 

Then you have this forum which really doesn't do anyone any favors in that regard: it's awfully challenging sometimes to get distracted by the glitter of seeing people approved for this, that, and the other, and it's basic human nature to read what's posted and judge your own profile against it.  I've had a number of times of thinking, "Hey, these folks are qualified for this, why can't I get it?"

 

I'm probably one of the more resistenant folks on this forum when it comes to ignoring others; however, even broke down in I think September last year, where I simply thre up the Hail Mary and apped for the Amex Zync after seeing report after report on aprovals and realizing it didn't make much sense to wait till October as originally planned... lucky as the Unicorn was discontinued shortly after.

 

It's a pretty pernicious thing, and really goes against how we were all raised, least from my own childhood, I do better looking at credit from the perspective of when I was 7 or so where everything was if I do this I'll get punished, rather than high school where if I did something it was viewed from what can I get from doing so.  Old vs. New testmament parallels too if you want to stretch it like that.

 

Add into modern society's instant gratfification culture, and really CC apps fufill that pretty neatly too.

 

It may not even be unreasonable to label it as an addiction even.  Not sure on that one, this whole post is kinda stream of conciousness anyway Cat Tongue


This post is spot on in so many ways. And the point about endophins and gambling is especially salient. Psychologists have pointed out the power of intermittent rewards. They are a stronger motivator than rewards that come in a predictable manner. Studies in rats show that intermittent rewards light up the pleasure center of the brain and that these rats will ignore other forms of pleasure in favor of working towards rewards that might come, but are not guaranteed. In gambling terms, slot machines are a good example; in credit seeking terms, there's a great deal of similarity to that submit button.

 

It helps to be mindful of this so that one can evaluate one's credit situation and decide upon the best course of action. Is it really a good time to app, or is one simply looking for the endorphin rush associated with an intermittent reward? Taking the time to look at the situation rationally may be able to cool one down from apping when it isn't wise to do so.


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
Message 534 of 2,774
Moderator Emeritus

Re: Garden Club Meeting - July 2013


starry1 wrote:
About another hour on the ribs here. I got this ginormous rack from Costco and I'm kinda scared thinking about what a monster hog these could have come from. Also getting baked apples ready, mac and cheese, corn bread and veggie kebabs.

I made ribs, boston baked beans (from scratch, not from a can), macaroni salad, corn bread, corn on the cob and homemade apple pie. We had a wonderful dinner, and I hope that yours was the same. Smiley Happy


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
Message 535 of 2,774
Moderator Emeritus

Re: Garden Club Meeting - July 2013


starry1 wrote:

LOL. My bff is a vegetarian, she'd be grossed out right about now.

 

I do agree that this forum has a fantastic rapport between members. I found several credit boards all about the same time when I first started rebuilding after bk, but this is the board I've stuck with. Some of the others are just downright nasty.


Indeed. This is an incredibly warm and supportive group. Thanks to everyone for making it so! Smiley Very Happy


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
Message 536 of 2,774
Established Contributor

Re: Garden Club Meeting - July 2013

Late night post, and I hope you guys had a great 4th!

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (2/16) TU: 690 EX: 684 EQ: 690
Goal Score: (7/18) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Gardening until July 2018!

Message 537 of 2,774
Moderator Emerita

Re: Garden Club Meeting - July 2013

Message 538 of 2,774
Established Contributor

Re: Garden Club Meeting - July 2013

Great work Rev! Stay firm in the garden.

Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 539 of 2,774
Super Contributor

Re: Garden Club Meeting - July 2013

I will be picking up my bronze spade tomorrow ...Wooo Hooo

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 540 of 2,774