Man - I got to stop!

[Anonymous]

Please feel free to yell at me! This credit stuff is addicting! 

I started with one CC in my name only, Best Buy Store card with a limit of $5400.00.

This is after closing around 60 accounts over the years (I am older). Man, if I had only left those accounts open! I would run them up, pay them down and close them as I could not control my credit life. This has all changed now.

Since then, in the last 60 days:

1. Amex Zync - approved, no limit and will approve $25k per test link.

2. Barclay iTunes Rewards - approved, $2200 limit.

3. Discover - approved, $1500 limit.

4. Target Red Card - approved, $2500 limit.

5. Amex . Costco - approved $10k limit.

6. PayPal Connect - approved, $800 limit,

7. Home Depot Store card - approved, $2000 limit.

Joint with my lovely Bride:

1. PenFed - approved, $20k limit.

2. USAA MC - CLI to $30k.

Declines:

1. Chase Freedom - tried a recon but no luck.

2. Citi Forward - did not try a recon.

3. Cap One Venture - did not try a recon.

So, no fun for me for the next two or so years. But, I do have a chance to really garden these cards now to see what I can build them up to!

Please yell at me to STOP!

Thanks!

Ray

PS: This is a really great board and my thanks for all that I have learned!

[MarineVietVet]

Then stop. It's not hard to do.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

I know - it has been fun.

Now time to garden and let some INQ's drop.... 

Ray

[haulingthescoreup]

Stop!!!!

How's that?

Seriously, don't freak out PenFed or any of the others, because they'll all start softing you. Keep everything at $0, at least for a while.

Get yourself a gnome statue to protect your new accounts and start gardening. No, that's not a hint to get a Travelocity card, either.

[SocalMark]

What was your Scores before you lost your Mind.

[Anonymous]

Thanks hauling! I needed that RED slap! 

I know, I need to lay low for a while now and PIF each month. I acutally do this each week. I run a tight budget and each of the charges are budgeted amounts, Each Sunday morning, I use USAA Bill Pay and send them full payment on what was charged the week prior. Seems to be working out quite well so far.

Every card has a "job" around here.

Ray

[Anonymous]

Mid to upper 700's on each.

I am sure I will take a hit short-term but that''s fine with me for now.

Ray

[JayRizzo]

Keep your eyes on that Barclays account.  If you notice them softing your report several times in a single month, that means they're about to close it without notice and they don't reopen.  They don't like newly opened accounts after they've approved you.

[vish1]

+103

[Anonymous]

Will do - I have read they are sensitive to that. I appreciate the advice!

Barclay's pays my USAA insurance bill each month, that is all they are used for right now. I figured I hit them up for a CLI i 6 months or so..

I am now officially in GARDEN mode!

Ray