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Getting MORE difficult to sit on my hands...

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myjourney
Super Contributor

Re: Getting MORE difficult to sit on my hands...


@frugalQ wrote:
There is nothing wrong with changing plans.

HOWEVER, you should think long and hard about the impact of changing those plans. I completely understand wanting to test the waters, but if apping now is counterproductive to your longer-term goals, I say wait until you have everything in place. If you have 'wiggle room' in your plan and can afford the hard pulls, then go for it.

The itch does not go away with just 1 or 2 apps....it only gets worse.

Good luck!

Well said and so trueSmiley Wink

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 11 of 21
09Lexie
Moderator Emerita

Re: Getting MORE difficult to sit on my hands...

HOLD UP! I don't think so...util alone will shortchange the awesome approval that's waiting for you. Remember the reasons why you were in the garden. If you honestly feel you've tackled all those reasons then after your cr updates- go for it.

I am the biggest proponent of staying but only if it makes sense - not just to satisfy an itch. Smiley Tongue
Message 12 of 21
myjourney
Super Contributor

Re: Getting MORE difficult to sit on my hands...

Ha Ha I told you she was coming Lol

Now whatSmiley LOL

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 13 of 21
sweettea
Frequent Contributor

Re: Getting MORE difficult to sit on my hands...

Don't do it. They may bring out the taser. It won't be pretty. They make you behave in the garden!

 

 

 

They make you behave in the garden! Smiley Surprised


Past - CH7 BK Discharged 01/09 | Rebuild Started 05/12 Present - All IIBs GONE! Future - 2015 Mortgage
Message 14 of 21
09Lexie
Moderator Emerita

Re: Getting MORE difficult to sit on my hands...

Message 15 of 21
SnackTrader
Valued Contributor

Re: Getting MORE difficult to sit on my hands...

All I'm going to say is this:

3 Maxed out cards today. 1 maxed out card in 30 days. 0 maxed out cards in _____

Lets see how that helps your scores.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 16 of 21
trying_to_B_good
Contributor

Re: Getting MORE difficult to sit on my hands...


@frugalQ wrote:
There is nothing wrong with changing plans.

HOWEVER, you should think long and hard about the impact of changing those plans. I completely understand wanting to test the waters, but if apping now is counterproductive to your longer-term goals, I say wait until you have everything in place. If you have 'wiggle room' in your plan and can afford the hard pulls, then go for it.

The itch does not go away with just 1 or 2 apps....it only gets worse.

Good luck!

+1 only gets worse! it's your decision. Good things come to those who WAIT!

Message 17 of 21
tcbofade
Super Contributor

Re: Getting MORE difficult to sit on my hands...


@SnackTrader wrote:
All I'm going to say is this:

3 Maxed out cards today. 1 maxed out card in 30 days. 0 maxed out cards in _____

Lets see how that helps your scores.

Thanks all for the input...either I mistyped or you mis read...I've still got three REPORTING maxxed out, but only ONE actually is...so I'll have ONE reporting maxed out in a few days... zero in less than thirty days...

 

 

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 18 of 21
tcbofade
Super Contributor

Re: Getting MORE difficult to sit on my hands...


@frugalQ wrote:
There is nothing wrong with changing plans.

HOWEVER, you should think long and hard about the impact of changing those plans. I completely understand wanting to test the waters, but if apping now is counterproductive to your longer-term goals, I say wait until you have everything in place. If you have 'wiggle room' in your plan and can afford the hard pulls, then go for it.

The itch does not go away with just 1 or 2 apps....it only gets worse.

Good luck!

Good point.  I hadn't thought of that.  Thank you.

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 19 of 21
frugalQ
Valued Contributor

Re: Getting MORE difficult to sit on my hands...

You are most welcome!!
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Message 20 of 21
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