Need full Input credit spree ...................

[annielorie]

WHile Ive been a little off the wall for the past 24 hours I have now come down to Earth. Bestbuy instant denial but no inq on transunion or EQ   EX is frozen again. So maybe god saved me from myself. I think you guys are very right... new car and three new cards from practically zero. I have so much to be thankful for with my recent gooodluck.  I have been here a while and admire and respect all the advice given...Ive got some serious gardening to do but I feel finally like I am set up to soar!!!!!!!!!! As for me it is time for a good old glass of wine...this is stressfull stuff ya know

[webhopper]

The declines

Are a sign,

That you should recline

And drink wine

and STOP APPING 

LOL

[LS2982]

I think we've found appbar's sis........


LOL

[annielorie]

Dear web hopper That was hilarious!!! But Im not sure if the wine had anything to do with it!!  and LS if Im appbars sis you must be  my long lost uncle remember amex? Seriously though do you guys think I did really good or am I just a egotist???  Discover is that sorta prime?

[FrugalRican]

You mean, appielorie?

[jamie123]

Annielori,

Congrats on the car! You did a great job negotiating the price! I don't think there was much money left on the table at that price. You did good!

About the credit cards....

Listen to what the other posters are saying. They are trying to tell you to think LONG term. Don't get sucked into getting sub-prime cards now, they may prevent you from getting the PRIME cards later.

Most store cards you keep mentioning are JUNK sub-prime cards that won't grow with you. I'll clue you in a bit here. Best Buy will probably be bankrupt and out of business sometime next year. Just how good will that card be then? You will have wasted hard INQ points for what?

At the end of your credit accumulation journey you really only want to have 6 REALLY good cards that will grow with you. (Okay 6 cards give or take a few. YMMV)

You want to pick cards from the following prime lenders:

Citi

Bank of America

Barclays

Wells Fargo

AMEX

Chase

Discover

(                       )This space intentionally left blank for others I have forgotten!

These lenders will follow you around the world, wherever life takes you. They will also give you a MASSIVE CL with time and good behavior.

Also one other card. Not neccasarily a prime lender, but the largest corporation in the world:

Walmart

A free TU report every month! After perusing these forums for a while, it seems almost everyone has this card.

Keep up the good work! Drink some wine and quit apping for a while.

Although.....You might consider going for the Walmart now.....

[annielorie]

Im so glad to report albeit a small amout Chase Freedom $500 on recon Im so happy I need more wine.  Jamie when I come back to earth Ill pm you So now Im actually 5 for five and five has nothing to do with this girls Happy HOUR

[annielorie]

the new mantra of the credit card section of MY FICO

---

@webhopper wrote:

The declines

Are a sign,

That you should recline

And drink wine

and STOP APPING 

LOL

---

[webhopper]

I will gladly fill in the blank with... You guessed it (Navy Federal Credit Union)

I think NFCU would follow me around the world, and wouldn't charge me forex fees for the privilege of tagging along

[annielorie]

Red or white? Or are we talking clear???