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More vicarious apps

Super Contributor

More vicarious apps

Getting my daughters to apply for cards is almost as good as doing it yourself.  Just did it with my younger daughter, instant approval for BCE, and we can now plan the 61 day CLI!   Unfortunately, with only 2 kids, there is a limit to this, so to those addicted and young, plan on having lots of kids!

Message 1 of 12
11 REPLIES
Senior Contributor

Re: More vicarious apps

LMAO! Congrats to her.

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 2 of 12
Valued Member

Re: More vicarious apps

Friends too..I got my best freind to app for discover and then a week later she got a capitol one ..we were both stunned when her CL was 10K....Its exciting waiting for the approval and not getting the hard pull lol... my kids are too young but boy o boy it will be fun when they get a little exspecialy if i feel they are real responsible.

Jumped out the Garden! But I'm running back with Roses!



Message 3 of 12
Moderator Emerita

Re: More vicarious apps

Maybe you should add this to the 'you know you are a credit card geek' list. Lol
Message 4 of 12
Super Contributor

Re: More vicarious apps

Of course, it's a little ruined in that my kids aren't that excited by it!  My older daughter walked in when the approval came up, and said "Oh, I have that card" and the younger one deadpanned "This is the most exciting day of my life."  Obviously not brought up properly...

Message 5 of 12
Super Contributor

Re: More vicarious apps


09Lexie wrote:
Maybe you should add this to the 'you know you are a credit card geek' list. Lol

She shoots she scores yes add to list 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 12
Moderator

Re: More vicarious apps


longtimelurker wrote:

Of course, it's a little ruined in that my kids aren't that excited by it!  My older daughter walked in when the approval came up, and said "Oh, I have that card" and the younger one deadpanned "This is the most exciting day of my life."  Obviously not brought up properly...


Laugh, heaven forbid they're not already addicted to credit card approvals!

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 7 of 12
Super Contributor

Re: More vicarious apps

lol grats!

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 8 of 12
Valued Contributor

Re: More vicarious apps

I think when the time comes for us, our daughters will spend about 3 months, 30min a day just reading the Rebuilding forums before they get to app for their first card.

This way they know going in what will happen if they screw it up.
Scores: about 700 across the board
Total CL: $275k
Message 9 of 12
Super Contributor

Re: More vicarious apps


madmann26 wrote:
I think when the time comes for us, our daughters will spend about 3 months, 30min a day just reading the Rebuilding forums before they get to app for their first card.

This way they know going in what will happen if they screw it up.

LOL

No need to be that extreme. It's all about good money habits that are cultivated over time. As long as they're spending within their means / budget, everything will be okay.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 10 of 12