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I think I need a break

Contributor

Re: I think I need a break

Without these forums, I probably would have a VS Card, An Amazon Store card (which i still want, but I have greater goals in mind at this point), and a barclays itunes card. None particularly helping me in my credit journey.

 

Because of these forums and people, I rethought out my credit goals, near and short term.

 

Because of me, I am going to stick by my goals and keep nuturing my scores and new credit relationships.

 

I do think I slightly overapped, however they were all with long term goals in mind and I will not be apping for a long while.

 

It seems the people with toy limits tend to work against themselves, constantly apping, getting more toy limits and increasing their inquiries and new accounts instead of  working on the cards they have (though I admit, having a cap one card is ugh)

 

Be firm, remember your credit journey is not about other people's apps and successes, but all about you and what is best for you both short and long term.

 

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Message 11 of 15
Established Contributor

Re: I think I need a break

I know what you mean, root. I think once I get all the cards I want (Chase Freedom, NFCU cashrewards and navcheck, BB, Discover More or US Bank Cash +), It'll be different. I think thats why high acheivers with all the cards they want do better in the garden.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 12 of 15
Regular Contributor

Re: I think I need a break

I do feel addicted to this forum, BUT reading other people's success is good enough for me so I don't feel the "itch" often.

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Message 13 of 15
Valued Contributor

Re: I think I need a break


CK_Charles_Lover wrote:

I do feel addicted to this forum, BUT reading other people's success is good enough for me so I don't feel the "itch" often.


lol thats prob because you have some excellent lines already

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 14 of 15
Frequent Contributor

Re: I think I need a break

New found motivation to stay in the garden occurred due to an unexpected medical collection pop up. I am doing hippa at the moment so I'm planted firmly in that garden lol.

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Message 15 of 15