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Ok I'm officially done app'ing for the year

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Math_Rocks
Established Contributor

Re: Ok I'm officially done app'ing for the year


@MidnightVoice wrote:

@Anonymous wrote:
Why the hell would you have even 42 accounts? 

 

Hitch Hikers Guide to the Galaxy

MV,

 

That totally rocks! Wish I would have thought of it.

 

Don't forget your towel! 

Filed Chapter 13 April 2012. Case successfully closed May 2017, about 1 month after 60th payment. FAKO scores on close date: TU 695 EQ 697. Received discharge July 11th - took forever! Real EX day of discharge 624.
Message 11 of 16
MidnightVoice
Super Contributor

Re: Ok I'm officially done app'ing for the year

I am so old that I listened to the first broadcast of the first series on the radio.

 

And I recorded them and got lots of free beer for making copies  Smiley Happy 

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 12 of 16
JRInWA
Valued Member

Re: Ok I'm officially done app'ing for the year


@MidnightVoice wrote:

47 is not the correct number of accounts.  What is the correct number, you may ask?

 

The answer is 42

 


Hehe.. ok MV you got me Smiley Surprised I just counted them and I have exactly 42 open revolving accounts so you are absolutely correct!  Since you're checking up on me Smiley Tongue I decided to go back and count my closed account as well.  I actually closed 21 not 16 accounts in the past 12 months not including the two that were involuntarily closed highlighted in red:

 

CLOSED ACCOUNTS
Household Bank VISA - $1,355.00
Applied Card Bank VISA - $1,300.00
Juniper Bank US Airways MasterCard - $750.00
First Premier Bank VISA - $625.00
Bank of America  US Airways MasterCard - $500.00
HSBC Discover - $500.00
HSBC MasterCard - $500.00
Capital One MasterCard - $500.00
Capital One MasterCard - $500.00
PayPal Buyer Credit Credit Account - $700.00
Best Buy Credit Card - $500.00
Wal-Mart Credit Card - $370.00 
GAP Credit Card -$200.00
Target Credit Card - $200.00
RevolutionCard Credit Card - $1,000.00
Credit One Bank VISA - $1,100.00
Orchard Bank MasterCard - $800.00
Discover More Card - $3,000
Circuit City Credit Card - $1,000
American Express Starwood Preferred Guest - $1,000.00
American Express Hilton Honors - $2,000
Circuit City Credit Card - $1,000 closed due to no activity in 6 month period
Bank of America Alaska Airlines VISA - $500.00 closed due to too many new accounts

Message Edited by JRInWA on 12-25-2008 12:22 AM



Starting Score: EQ 797, TU 781, EX 781 (03/15/18)
Current Score: EQ 797, TU 781, EX 781 (03/15/18)
Goal Score: 800+ across the board!


Take the myFICO Fitness Challenge
Message 13 of 16
Anonymous
Not applicable

Re: Ok I'm officially done app'ing for the year


@JRInWA wrote:

@MidnightVoice wrote:

47 is not the correct number of accounts.  What is the correct number, you may ask?

 

The answer is 42

 


Hehe.. ok MV you got me Smiley Surprised I just counted them and I have exactly 42 open revolving accounts so you are absolutely correct!  Since you're checking up on me Smiley Tongue I decided to go back and count my closed account as well.  I actually closed 21 not 16 accounts in the past 12 months not including the two that were involuntarily closed highlighted in red:

 

CLOSED ACCOUNTS
Household Bank VISA - $1,355.00
Applied Card Bank VISA - $1,300.00
Juniper Bank US Airways MasterCard - $750.00
First Premier Bank VISA - $625.00
Bank of America  US Airways MasterCard - $500.00
HSBC Discover - $500.00
HSBC MasterCard - $500.00
Capital One MasterCard - $500.00
Capital One MasterCard - $500.00
PayPal Buyer Credit Credit Account - $700.00
Best Buy Credit Card - $500.00
Wal-Mart Credit Card - $370.00 
GAP Credit Card -$200.00
Target Credit Card - $200.00
RevolutionCard Credit Card - $1,000.00
Credit One Bank VISA - $1,100.00
Orchard Bank MasterCard - $800.00
Discover More Card - $3,000
Circuit City Credit Card - $1,000
American Express Starwood Preferred Guest - $1,000.00
American Express Hilton Honors - $2,000
Circuit City Credit Card - $1,000 closed due to no activity in 6 month period
Bank of America Alaska Airlines VISA - $500.00 closed due to too many new accounts

Message Edited by JRInWA on 12-25-2008 12:22 AM

Wow.  And thats your closed account list.  I would be scared to read your open account list. 

Here is my closed account:

 

Amex Clear- closed the day I was approved for it.  (Wasn't happy with the CL, wanted to do a large bt)

Bailey Banks and Biddle Card

Express card

 

My open accounts

Citi Dividend 

BoA Amex

Auto loan

 

 

Message 14 of 16
JRInWA
Valued Member

Re: Ok I'm officially done app'ing for the year


@Anonymous wrote:
Why the hell would you have even 42 accounts?  Like honestly, what is the purpose of that?  Hell, I have 2 credit cards, my debit card, and my car loan and thats enough for me.  I don't see the point of going out and getting a ton of cards, but thats just my opinion Smiley Indifferent
Message Edited by Nmbr1ballr on 12-24-2008 03:24 PM

Ya I know.  42 is a ridiculous number!  It's divisible by neither 5 nor 10 Smiley Mad  So I'm going for 50 Smiley Tongue   Yep... 2010 will be my year to reach that goal.  Then I'm done.  Mmmm.... credit.



Starting Score: EQ 797, TU 781, EX 781 (03/15/18)
Current Score: EQ 797, TU 781, EX 781 (03/15/18)
Goal Score: 800+ across the board!


Take the myFICO Fitness Challenge
Message 15 of 16
Anonymous
Not applicable

Re: Ok I'm officially done app'ing for the year


@JRInWA wrote:

@Anonymous wrote:
Why the hell would you have even 42 accounts?  Like honestly, what is the purpose of that?  Hell, I have 2 credit cards, my debit card, and my car loan and thats enough for me.  I don't see the point of going out and getting a ton of cards, but thats just my opinion Smiley Indifferent
Message Edited by Nmbr1ballr on 12-24-2008 03:24 PM

Ya I know.  42 is a ridiculous number!  It's divisible by neither 5 nor 10 Smiley Mad  So I'm going for 50 Smiley Tongue   Yep... 2010 will be my year to reach that goal.  Then I'm done.  Mmmm.... credit.

But why?  Like can someone please explain it to me so maybe I can understand?  Why is that your goal?  What is it that it will do for you?  What is the difference between having so many cards with low limits for stores or even credit cards vs having 2 or 3 credit cards with high limits you can use anywhere and maybe 1 store card.  I honestly don't see the actual benefit of having them.  I just turned 23 a week ago, and with my limited credit, I have a decent score so I don't think its necessary to have all those unless your reason is outside of your FICO score.

Message 16 of 16
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