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Established Member
Posts: 54
Registered: ‎07-10-2012
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Is it normal to feel bad after a app spree?

I just got done with an unplanned app spree.

 

Wal-Mart (discover) --- 1800

Macy --- (don't know CL)

Lowe's --- 2000

Target --- 500

Sear's ---- 2000

 

(in that order)

 

I was riging a high while I was app'ing but now I feel bad ... like remorse.

I really was going to app but I decided to go for the Wal-mart. After that, I was just on a roll. 

I'm happy I was 5 for 5 but I hope It doesn't hurt me in the long run.



Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Moderator Emeritus
Posts: 10,853
Registered: ‎12-30-2011
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Re: Is it normal to feel bad after a app spree?

It can be normal, anything done impulsively that one has second thoughts about qualifies certainly.

 

Long run (call it 3+ years) it won't much matter at all especially if you get use out of the cards; shorter-term <1 year it likely will, and the 1-3 year mid-term YMMV.  May even be a benefit in some things but that is highly dependant as to the rest of your credit report.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: Is it normal to feel bad after a app spree?

I feel bad after each HP. Especially in cases where they weren't expected like when asking for a CLI or annoying someone at Sallie-Mae, LOL!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Established Contributor
Posts: 614
Registered: ‎08-24-2011
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Re: Is it normal to feel bad after a app spree?

Yes, I'd say that's totally normal. Especially if it's on an impulse, then when it's over you sit back and realize it probably wasn't worth all the pulls. From my experience, I have much less "app remorse" when I plan the applications out, and know for sure these are the cards I want. Even still, sometimes you don't get approved for a great amount, then it feels a little wasted as well. 

 

I just recently requested CLI's for my Freedom and More cards...both were granted with HP's, but only for $500. I had some serious remorse after that, but my new approvals followed by a massibe CLI on my BoA card and another on my Barclay's lessened the blow. 

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Established Member
Posts: 54
Registered: ‎07-10-2012
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Re: Is it normal to feel bad after a app spree?

Thanks for repling ...

 

I app'ed after I called Discover to see about a CLI. I have a CL of $1000 now. They wanted to do a hard pull so I said that's ok and hung up. I guess I wasn't satifed so I wanted to app for 1 card - wal-mart. then it just went from there ... 

 

BTW Macy CLI is $500



Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Frequent Contributor
Posts: 266
Registered: ‎10-04-2009
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Re: Is it normal to feel bad after a app spree?

[ Edited ]

You can call the Macys automated system at 877-493-9207 and find out your credit line. Push the option for balance (I think it's 1) and when she asks for your account number say I don't know. She'll ask for your social, look up your account, and read your balance and available credit.

 

edit: oops, saw you post the line as I posted..

Valued Contributor
Posts: 1,134
Registered: ‎05-17-2010
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Re: Is it normal to feel bad after a app spree?

VERY normal.  :smileyhappy:

Established Member
Posts: 54
Registered: ‎07-10-2012
0

Re: Is it normal to feel bad after a app spree?

I think I'm going to not app for the rest of the year. :smileyhappy:

I have enough seedlings ...

 



Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Is it normal to feel bad after a app spree?

I always feel bad after a spree...that's why I reframe from doing them anymore. Lol.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Is it normal to feel bad after a app spree?

only feel bad when they aint approved u,

You Lost one inquiry. Your time fill out application .....

But Since you go all 5 then its a big win win win......Congratttttt now its time to bring ur butt to garden and raise some seeds :smileyvery-happy:

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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