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Bah!
I have major app itch right now. No clue why, I just want to apply for something for the hell of it. Time to go water some plants or something xD
#AddictedToCredit
@jsucool76 wrote:Bah!
I have major app itch right now. No clue why, I just want to apply for something for the hell of it. Time to go water some plants or something xD
#AddictedToCredit
its funny.
i only get the itch to app when im on here.
what did we ever do before getting credit cards. =|
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@creditnocash wrote:
@jsucool76 wrote:Bah!
I have major app itch right now. No clue why, I just want to apply for something for the hell of it. Time to go water some plants or something xD
#AddictedToCredit
its funny.
i only get the itch to app when im on here.
what did we ever do before getting credit cards. =|
...Crack.....
jk That what credit cards are to me though, my crack
All this talk of the zync being gone makes me want to app for an amex card, though I know I would get denied...I just want an amex so badly.
Can I join the garden if I'm apping for a mortgage, but not credit cards?
@Anonymous wrote:Can I join the garden if I'm apping for a mortgage, but not credit cards?
I don't think so Since it is technically a new account on your CRs. I know they allow things like an inq from an apartment if they require it before they let you live there, but I think anything that involves a new account, or a CLI or something will result in loss of your gardener status
Boo..haha, oh well. After the house and the ditching of sub-prime and (hopefully) Lowes and Chase, I'm done...and then I'll join!
@Anonymous wrote:Can I join the garden if I'm apping for a mortgage, but not credit cards?
you can have a seedling until you actually app =)
everyone has their reasons for leaving the garden.
buying a home is ok to leave the garden for. its the largest or second largest purchase someone can make.
as for me just went over my amex credit reports and i have a whopping 23 inq. spread across my reports 15(7 of them are from a car loan) of them from jun 15 till aug 30th this summer :EEEKS:
i realized now i dont care what it is im not apping for anything. then amex true earnings and thats all the cards i need.
going to get my diamond or i guess that would mean a platinum spade. and my aaoa will shoot up obvi to over 2 years =). plus amex backdate helps a little if they are still doing that.
im still going to wallow over getting my util under 9% though.
its at 12 now but by the 15th will be 7%. (monthly spending that hasnt been paid yet.)
ill be exited to get my travel expense reimbursment next week plus my paid holiday holiday over time and sunday and over time this week. half is going to savings and half is going to get me to 1% util.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
THe 23 makes me feel a little better about my 12 A few are over 1 year, but still. And we're in underwriting now..
I've got like 15 on each of my reports, so don't feel bad Quite a few are past the one year mark though