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..
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).
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"!
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. :/
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..