How does anyone wait two years to app.

[Anonymous]

The trick is to find another goal to focus on. No matter where you are in your credit journey applying for new credit every few months is not a good idea. The longer you wait between applications the better your chances are at receiving higher CLs and lower APRs.

Someone has something similar to this in their signature line: Achieving one goal should be a starting point for another. I'm paraphrasing because I don't remember the exact words. Each time I read this quote it resonates  with me.

[Anonymous]

I would try focusing on something else finance related that is more proactive like building up your nest eggs, 401ks, Roths. etc.... That works for me. 

[Anonymous]

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@beautifulblaquepearl wrote:

The trick is to find another goal to focus on. No matter where you are in your credit journey applying for new credit every few months is not a good idea. The longer you wait between applications the better your chances are at receiving higher CLs and lower APRs.

Someone has something similar to this in their signature line: Achieving one goal should be a starting point for another. I'm paraphrasing because I don't remember the exact words. Each time I read this quote it resonates  with me.

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you are referring to tuolumne "shortcuts to credit lead to shortcut results"

[Kutuzov]

In my case first my credit was bad, so there was no point in apping. Then i apped about once a year, cause i wait for my credit  to be good enough to be approved for a cc i really want. I do study the cc before apping to see if its one i will stick with for a while.

[mitchblue]

If people are in the mood to app,,forum or not it's happening. If the forum is making you app you're weak minded. No offense.

[Open123]

In my view, really depends on the credit environment.  If it's a seller's market (tight), don't app.  If it's buyers' market (cheap and free money), app.  Until the Issuers decided to up the offers and bonuses, I had gone without an app for 10 or 12 years.  Once they offers are gone, I may never app again, until they return.

[EdMan63]

It's actually easy for me. Prior to coming to these forums I had one credit card for many many years. This year I applied for 3 cards and don't plan on apping again for at least another year. I don't need a ton of cards. For many credit is a hobby. For me it's just a tool with certain benefits if used responsibly. 

[Anonymous]

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@mitchblue wrote:

If people are in the mood to app,,forum or not it's happening. If the forum is making you app you're weak minded. No offense.

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[Anonymous]

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@Anonymous wrote:

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@mitchblue wrote:

If people are in the mood to app,,forum or not it's happening. If the forum is making you app you're weak minded. No offense.

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Lol

[kdm31091]

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@Anonymous wrote:

I would try focusing on something else finance related that is more proactive like building up your nest eggs, 401ks, Roths. etc.... That works for me. 

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I agree. I find that building my savings makes me feel more rewarded than CC rewards ever do.