I am Addicted to applying for Credit Cards

[Trin]

For the last three years I have applied to more than twenty credit cards. I have more than enough cards with good spending limits. It is something about getting approved that makes feel good. Does anyone have some advice?

AMEX Delta Gold $8k, Citi HH $6k, AMEX HH Surpass $5k, NFCU $5k, CapOne $1500, HSBC $1250, AMEX Jet Blue $1k, Discover $1k, Barclay Aapple $1400

[catsrgrey8]

Hi Trin oh my God I thought I was the only one with this problem, I have about 30 plus credit cards that I don't really need.

[compassion101]

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Does anyone have some advice?

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Sure, stop applying for cards lol

Credit is a long term game, don't try to win it quickly.

[SunriseEarth]

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@compassion101 wrote:

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Does anyone have some advice?

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Sure, stop applying for cards lol

Credit is a long term game, don't try to win it quickly.

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Hahahah!

OP, perhaps you could put security freezes with the 3 CRAs.  You could simply join the Garden and alert people in the thread if you feel like apping.  You could do both.  

[NikephorosPhocas]

+1

Freezing your accounts may be an option for you.

[Darrell82]

Yeah i had same issue. I froze all CRAs and joined the gardening club to keep my mind ocupied when i felt the urge. So now my goals are just to get credit limit increases on all my main cards with out getting a hard inquiry. So with out applying for new credit and getting better credit limits i am now addicted to seeing my scores get bigger and my credit limits getting much bigger as well. And focused on getting the best cash back on all my purchases. Good Luck . Def look up and check out the Gardening Club. Great place to start . They can give you some nice pointers.

[coldnmn]

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@Darrell82 wrote:

Yeah i had same issue. I froze all CRAs and joined the gardening club to keep my mind ocupied when i felt the urge. So now my goals are just to get credit limit increases on all my main cards with out getting a hard inquiry. So with out applying for new credit and getting better credit limits i am now addicted to seeing my scores get bigger and my credit limits getting much bigger as well. And focused on getting the best cash back on all my purchases. Good Luck . Def look up and check out the Gardening Club. Great place to start . They can give you some nice pointers.

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+1

[alvon123]

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Hahahah!

OP, perhaps you could put security freezes with the 3 CRAs.  You could simply join the Garden and alert people in the thread if you feel like apping.  You could do both.  

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+1

[Sevenfeet]

These are financial products, pure and simple.  Boards like this make a game out of it, but in reality, you need to only have stuff in your portfolio that is working for you (saving you money by cash rewards, travel or specific benefits you can quantify).  Just having the next shiny card is USELESS to your financial goals.  Every card I have has a purpose...some save me money...some are for travel and some are short-medium term 0% vehicles where I can park debt for a while.  There are plenty of other products I could apply for...but they aren't worth my time.  You may have different priorities, but you should look at your card portfolio in a manner that helps you long term.

[takeshi74]

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@Trin wrote:
Does anyone have some advice?

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"Quality, not quantity" and "Its a marathon, not a sprint" would be the standard advice.  If your problem is truly addiction I'm not sure forum advice is really going to help.  Recognizing your problem is a good first step though.  Feeling good isn't going to be sustainable as at some point you'll start getting denials.  We can tell you to only apply for what you need but you may need to deal with other underlying issues at play.