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And hey, if you get all of the cards now......you will have nothing to look forward to later!!!
You have received some nice cards and limits while having a mediocre FICO score of 665. Congrats. The Barclays card may be signaling that the run is coming to a close as they all do. It appears that you have enough cards to keep you busy with management for the next two years when all the inquires will be gone.
If the temptation is REALLY that hard for you then I suggest putting a few charges on all of them and see how dealing with the monthly payments coming from all directions hits you
@peglegnmh wrote:Hello All!
I've been a lurker for a while and finally decided to join... mainly because I need help/motivation/"tough love" to stop applying for credit.
Prior to my recent "spree" I had/did the following:
-Citi Dividend (since 5/2008): $0/$3800
-Wells Fargo Home Visa - Joint Account (since 8/2009): $0/$6200
-Sunoco/Citi Gas Card (since 10/2010): $0/$750
-Chase Freedom (since 7/2011): $0/$1000
-Barclay Apple (since 7/2011): $200/$2400 (0% interest for iPad)
-AMEX Zync (since 7/2011): NPSL
-Best Buy Rewards Mastercard (since 5/2012):$0/$1500
Then got my score from myFico (665) and this happened:
-Chase Freedom: $0/$5500 (increased)
-AMEX BCE: $10,000 (for gas/groceries) (Experian Score of 770??)
-AMEX Hilton: $3,900 (few vacations planned)
-Chase Sapphire Preferred: $15,000 (rewards)
-Citi Simplicity: $11,700 (0% interest for 18 months)
-Barclay Ring: Pending...
For some reason I'm so tempted to get the Discover It... why, just a rush plus the rewards. Do I need them, nope. Want them, yes.
Can anyone help me say "no" and enter the garden? Any solid reasoning why I shouldn't other than way to map HPs on my report?
Thanks!
@tmbr10 wrote:You have received some nice cards and limits while having a mediocre FICO score of 665. Congrats. The Barclays card may be signaling that the run is coming to a close as they all do. It appears that you have enough cards to keep you busy with management for the next two years when all the inquires will be gone.
If the temptation is REALLY that hard for you then I suggest putting a few charges on all of them and see how dealing with the monthly payments coming from all directions hits you
@peglegnmh wrote:Hello All!
I've been a lurker for a while and finally decided to join... mainly because I need help/motivation/"tough love" to stop applying for credit.
Prior to my recent "spree" I had/did the following:
-Citi Dividend (since 5/2008): $0/$3800
-Wells Fargo Home Visa - Joint Account (since 8/2009): $0/$6200
-Sunoco/Citi Gas Card (since 10/2010): $0/$750
-Chase Freedom (since 7/2011): $0/$1000
-Barclay Apple (since 7/2011): $200/$2400 (0% interest for iPad)
-AMEX Zync (since 7/2011): NPSL
-Best Buy Rewards Mastercard (since 5/2012):$0/$1500
Then got my score from myFico (665) and this happened:
-Chase Freedom: $0/$5500 (increased)
-AMEX BCE: $10,000 (for gas/groceries) (Experian Score of 770??)
-AMEX Hilton: $3,900 (few vacations planned)
-Chase Sapphire Preferred: $15,000 (rewards)
-Citi Simplicity: $11,700 (0% interest for 18 months)
-Barclay Ring: Pending...
For some reason I'm so tempted to get the Discover It... why, just a rush plus the rewards. Do I need them, nope. Want them, yes.
Can anyone help me say "no" and enter the garden? Any solid reasoning why I shouldn't other than way to map HPs on my report?
Thanks!
+1000!
STOP before you hurt yourself!
You may be wading into the territory where you might start getting declined. Your inquiries are piling up and your AAA is plunging. If I were you, I'd let the accounts age (hit the garden) and not apply for at least a year. You have some great cards, I don't see Discover IT being a "needed" addition. Best wishes for whatever you choose to do. Congrats on your approvals!!!
Can't think of anything to add other than you have one of the most impressive lineup of cards I have seen!! Good job enjoy it!!
@Wolf3 wrote:You have 13 CC. No respectable person has more than 13 CC. Be sure to close one before your next Application.
EXCUSE ME?
Just put a freeze on your accounts so it'll cost you money next time you want to app, usually a nice deterrent.