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Having the urge to app

Established Contributor

Having the urge to app

I have really been wanting to app! I think I need an intervention haha.  I know I shouldn't but GAH its hard not to Smiley Sad

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

8 REPLIES
Frequent Contributor

Re: Having the urge to app


2FixMyCredit wrote:

I have really been wanting to app! I think I need an intervention haha.  I know I shouldn't but GAH its hard not to Smiley Sad


Go to the Garden. myjourney and 09Lexie will help you stay on course.

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Super Contributor

Re: Having the urge to app


2FixMyCredit wrote:

I have really been wanting to app! I think I need an intervention haha.  I know I shouldn't but GAH its hard not to Smiley Sad


Don't do it. You will hurt your score and probably will not get the results you will get if you can hold out!

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Valued Contributor

Re: Having the urge to app


2FixMyCredit wrote:

I have really been wanting to app! I think I need an intervention haha.  I know I shouldn't but GAH its hard not to Smiley Sad


I'm in same boat as you. I opened 5 accts this year.. my aaoa drops below 3.0 years.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Moderator Emerita

Re: Having the urge to app

Established Contributor

Re: Having the urge to app

There is a moat around the garden filled with gators.... So just sit back relax and enjoy the breeze....


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor

Re: Having the urge to app

Hehe! Oh you fellow fico'rs make my day!

 

Well I don't think I'll be apping anytime soon Smiley Sad My score dropped 33 points today from a  collection that a company failed to validate but still reported Smiley Sad

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Moderator Emerita

Re: Having the urge to app

Super Contributor

Re: Having the urge to app

Glad your still with us..

 

while your gardening work on the baddie 

You know we support you 

 

 

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?