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I'm gonna need 12 steps

Moderator Emerita

I'm gonna need 12 steps

Or something to keep me from apping again. After I swore to myself that I'd stop at Target, I app'd again... and again! Smiley Surprised
 
You see, I got this e-mail for a Barnes & Noble MC. It had rewards! I shop there ALL the time, so I started thinking... 5% on top of the discount that I already get with my B&N Membership card. Plus, other perks. What's one little inquiry more? I mean, come on...  I really love that place. So, I app'd. Then I felt regretful. Smiley Indifferent I just knew I was going to be declined. But I got instantly approved! Smiley Happy
 
I was so excited and happy. Then I remembered that I needed to go to either Target or Walmart to get some new socks and undies for the kids (I hate dingy looking socks, and you know what mothers say about having nice undies in the event of an accident). So, I started thinking about how cool it would be if I had my redcard in hand already, with the 10% off coupon that's supposed to come with it. And that lead me to wonder if Walmart had a card... Apparently they do. Before I could stop myself I was apping for that online, and I got approved! Smiley Surprised
 
So, I'm 3 for 3. Smiley Very Happy
 
But, I have to STOP. No more apping. No more! I'm done. Somebody, please help me... I'm afraid that when I go into Kids Gap today that they're going to ask if I want a card. Fico Gurus, can you send 10,000 angels to keep me from apping? I need to remain app free until Spring 2009!

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Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

8 REPLIES
Valued Contributor

Re: I'm gonna need 12 steps

Let me help you! I've never apped for Gap, but I've heard they are a little bit harder to get then some of the other GEMB cards....so just keep thinking to yourself how embarassing it would be to get declined at the counter in front of the school shopping rush!!!Smiley Very Happy
 
Now back away from the computer and lock your keyboard so you can't apply online!!
Moderator Emeritus

Re: I'm gonna need 12 steps

we have a 12 step program- Smiley Happy
Moderator Emerita

Re: I'm gonna need 12 steps

Oh yeah... I think that did it. WHOO! There's no telling what I might have done if it wasn't for the unpleasant vision of public humiliation! Smiley Very Happy
 
I think I'm back on the wagon. I think I'll join you in the credit garden.
 
 
Let me help you! I've never apped for Gap, but I've heard they are a little bit harder to get then some of the other GEMB cards....so just keep thinking to yourself how embarassing it would be to get declined at the counter in front of the school shopping rush!!!
 
Now back away from the computer and lock your keyboard so you can't apply online!!

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Moderator Emerita

Re: I'm gonna need 12 steps

My name is LilMirth, and I'm an Appaholic...
 
 

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Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Super Contributor

Re: I'm gonna need 12 steps

I think I need to change on of the steps into No More Apping!!!!!!!!!!!
 
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emerita

Re: I'm gonna need 12 steps

Ficoholics Anonymous saved my life... err... my credit score (which is pretty much your life).
 
No  more apping.
 
No more apping.
 
No more apping!

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Established Contributor

Re: I'm gonna need 12 steps

you have fallen for the lure of REWARDS, which is largely a ploy to get you to buy more stuff.  Afraid you'll just have to learn to say NO!
Highlighted
Regular Contributor

Re: I'm gonna need 12 steps

Hahahaha!  That's too funny.  It sure is addicting apping for cards.  I told myself since I just got the Juniper MC that there would be no more apping until Nov 09!  Well, I happened to be on the Home Depot website, just browsing... I don't know what came over me... and I apped for their store card!  Ugh!  Got the 7-10 day message.  Well, I have been really worried.  It's day 9 now and I haven't heard anything yet.  Shame on me, I feel so guilty.  I've heard it's called 'appers remorse'.  LOL
08/08 FICO TU649 EQ645 EX639
12/08 FICO TU665 EQ672 EX667
03/09 EQ650
App-free since 01/29/09