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Established Contributor
Pj1369
Posts: 844
Registered: ‎09-23-2007
0

My addiction...will it ever end?

I have 8 CCs now. Per the other threads, I want to close one, but I'm thinking not, after hearing the feedback...still pondering...

 

I really want to streamline my credit. I currently have over 100K in available in credit (all rewards cards now) - but I'm obessed with getting rewards and more rewards. Which I know...is futile ---- since award programs are being reduced/eliminated daily. However, I really like that HSBC weekend card with 2% cash back and the Citi Amex Platinum with Airport lounge access and free credit monitoring for a small AF. 

 

Geeze --- I'm sick. Also, I know if I start apping it could potentially harm me other CCs/TLS - so I won't. But, I really want to!! =P

__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Senior Contributor
BungalowMo
Posts: 4,243
Registered: ‎05-01-2008
0

Re: My addiction...will it ever end?

Oh...I totally understand!  I remember when I couldn't get one to save my backside!!!


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Super Contributor
marty56
Posts: 5,696
Registered: ‎10-06-2007
0

Re: My addiction...will it ever end?


Pj1369 wrote:

Geeze --- I'm sick. Also, I know if I start apping it could potentially harm me other CCs/TLS - so I won't. But, I really want to!! =P


I have not seen anyone post about a CLD or some other AA based on getting new credit or applying for it but these days who knows.

 

What I might be tempted to do in your case is to get hard copies of my CR from the directly CRAs and see who has been peeking at my CR.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Established Contributor
Pj1369
Posts: 844
Registered: ‎09-23-2007
0

Re: My addiction...will it ever end?


marty56 wrote:

I have not seen anyone post about a CLD or some other AA based on getting new credit or applying for it but these days who knows.

 

What I might be tempted to do in your case is to get hard copies of my CR from the directly CRAs and see who has been peeking at my CR.


Funny you mention that --- I just did that. Amex has been doing monthly ARs vis a vi soft inqs, Citi has been trying to offer me stuff, and Chase and USAA have been also checking on me w/ soft ARs I presume.

 

However, looking over the long list, I would say CCCs have been taking 1/2 as many peeks since last year...indeed, interesting times...

__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Super Contributor
marty56
Posts: 5,696
Registered: ‎10-06-2007
0

Re: My addiction...will it ever end?

GEMB had been doing that to me on both my GEMB accounts evey month until about 6 months ago.

 

I do not believe the every month pull is being done for my benefit.  IMHO its a precursor to CLD.

11/28/2014 FICO: EQ: 796 EX:788 TU:803

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