08-19-2013 11:57 PM
My regret is this stupid Firestone Credit card. It happened before I was paying attention to my credit. They offered me some discount and for once I said sure. Got the 1800 credit line and I bitched. Guy told me that was high for intital limit. Thats when I realized I had made a mistake. Fast forward a couple years later, CLIs to 2.4k. Yeah!! Not..
08-20-2013 01:09 AM
My regrets were US Bank and WF. It was an ugly ordeal with WF since i had a secured credit card with them and applied for the unsecured only to denied and then approved under manual review for only 2k (had a 4k secured card for over a year that didnt graduate and a business/personal banking relationship with them).
08-20-2013 02:55 AM
08-20-2013 07:33 AM - edited 08-20-2013 07:34 AM
08-20-2013 08:44 AM
Regret might be too strong a word, but Barclays Rewards. I applied for it after searching for cards with discounts on utilities, and this was 2% off utilities. My first surprise was the CL, ~ $4.5K when my next lowest was $15K. Then, shortly after, I got the Fidelity Amex, 2% on everything, and then the US Bank Cash Plus, which at the time had 5% off bill pay.
After 6 months they did an auto CLI to just over $7K. I asked them to make it a World card, they refused, and I closed it.
So I had wasted a HP on a card with a low CL whose rewards were totally subsumed by the Fidelity Amex, and exceeded in some bonus categories by Cash Plus. But I don't stay awake at night thinking "Oh, if only I had not applied for that Barclay's card"!
08-20-2013 06:56 PM
i dont regret the better balance card as Im using the 0% balance transfer promo to pay off my chevron balance.
0% is better than 26.99% any day!
i DO regret asking bofa for a CLI on initial approval. they did a hard pull. it seems like thats three strikes on CLI requests over the phone this year for me - macys, wfb, and bofa all hard pulls with denials. wack. :/
08-20-2013 09:28 PM
There's a couple of hard pulls I regret... Mostly because I'm an idiot for attempting so many times...
I applied and got declined for Best buy AND Bill me later like 6 times in 1 year (they're just now erasing from my history)
So yeah... Not sure why I kept trying so hard..
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.