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Established Contributor
snowkitty
Posts: 657
Registered: ‎09-10-2012

Resisting Temptation!!

I love getting preapprovals in the mail because it let's me know I am doing good and has also opened the door for me to get a few cards I never imagined I would be able to get this soon. When they come in the mail, you have time to think about it and talk yourself out of it. *lol*  Well, this weekend I went to JCPenney (which I have secretly been wanting a card for) and they tempted me with 20% off at the register. This is the first time I have been asked at the checkout....I totally broke out in a sweat and I know the cashier had to think I was crazy! I told her no, then maybe, then no. Then she added up how much I would save on this purchase and my mind raced back and forth like a crazy person!! My daugher was looking at me and I had just heard the man in front of me get approved...the pressure was really on. I finally said "I just really can't" and hurried up and paid and got out of there! *lol*  I am proud of myself for resisting but could not believe how stressful my decision making process was! I wanted to post this here because I know you will all understand......anyone else get stressed out like that over a possible new card?? :cattongue:

TU Fico 714 | Sesame 738 | Credit Karma 762 | Wal-Mart FICO 723 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 5.5k | Citi Diamond Preferred 8k | Bofa Visa 500 | Discover More 3k | Wal-Mart 2.5k | Amazon 2.5k | Old Navy 1050 | Shell 1200 | BP 400 | VS 500 | Sam's Discover 3.5k | FNBO Amex 6k | Chase Freedom 1k | Home Depot 3k | Brylane Homes 600 | BML 1820

*You can find me in the garden.....app free since 3/21/13*
Valued Contributor
09Lexie
Posts: 6,753
Registered: ‎09-13-2012

Re: Resisting Temptation!!

[ Edited ]

snowkitty wrote:

I love getting preapprovals in the mail because it let's me know I am doing good and has also opened the door for me to get a few cards I never imagined I would be able to get this soon. When they come in the mail, you have time to think about it and talk yourself out of it. *lol*  Well, this weekend I went to JCPenney (which I have secretly been wanting a card for) and they tempted me with 20% off at the register. This is the first time I have been asked at the checkout....I totally broke out in a sweat and I know the cashier had to think I was crazy! I told her no, then maybe, then no. Then she added up how much I would save on this purchase and my mind raced back and forth like a crazy person!! My daugher was looking at me and I had just heard the man in front of me get approved...the pressure was really on. I finally said "I just really can't" and hurried up and paid and got out of there! *lol*  I am proud of myself for resisting but could not believe how stressful my decision making process was! I wanted to post this here because I know you will all understand......anyone else get stressed out like that over a possible new card?? :cattongue:


Yes! I am trying to steer clear of Macy's because every time I shop there they remind me about the additional discounts you get when charging on their card.  Just this weekend SamsClub employees were 'stalking' me too! 

 

It's hard enough with the commercials...that's how I apped for my Discover It. :smileysad:



Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800

Contributor
BearOSO
Posts: 96
Registered: ‎10-03-2012

I always say no by my irrational fear of somehow getting...

[ Edited ]

I always say no by my irrational fear of somehow getting in a Jason Bourne scenario and I get caught with my pants down at Macy's because I am trying to save 20%. 

 

Gotta stay off the grid, man!!!


Starting Score: 656 12/2012
Current Score: FICO (USAA pulled) EXP:678 | myFICO EQ:671 | myFICO TU:685 | App free since 2/1/2013
Take the myFICO Fitness Challenge
Valued Contributor
youngandcreditwrthy
Posts: 3,931
Registered: ‎08-16-2012

Re: Resisting Temptation!!

Lol!!! I love my JCP card :-) the highest initial cl I think is $2000.
Paypal Extras Plat MC $25k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Valued Contributor
jsucool76
Posts: 2,736
Registered: ‎12-11-2011

Re: Resisting Temptation!!

I had to resist temptation when I saw the post about the $400 sign up bonus for the nfl card. Haha.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
09Lexie
Posts: 6,753
Registered: ‎09-13-2012

Re: Resisting Temptation!!


jsucool76 wrote:
I had to resist temptation when I saw the post about the $400 sign up bonus for the nfl card. Haha.

I forgot about that one! 



Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800

Established Contributor
snowkitty
Posts: 657
Registered: ‎09-10-2012

Re: Resisting Temptation!!

I haven't seen the nfl 400 sign up bonus post yet....Maybe I should log out now....lol
TU Fico 714 | Sesame 738 | Credit Karma 762 | Wal-Mart FICO 723 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 5.5k | Citi Diamond Preferred 8k | Bofa Visa 500 | Discover More 3k | Wal-Mart 2.5k | Amazon 2.5k | Old Navy 1050 | Shell 1200 | BP 400 | VS 500 | Sam's Discover 3.5k | FNBO Amex 6k | Chase Freedom 1k | Home Depot 3k | Brylane Homes 600 | BML 1820

*You can find me in the garden.....app free since 3/21/13*
Established Contributor
daybreakgonesXe
Posts: 758
Registered: ‎11-17-2012

Re: Resisting Temptation!!

You know it! As much as I would love to apply for an RFCU, DCU, Walmart, Citi Forward, etc. etc. ... i REALLY want to resist until my scores are close to perfect (in many, many years from now XD)

 photo creditsiggy_zps3dd006fd.png
EQ FICO 727 Credit Karma (TU) 6/12/13 758 Transrisk 6/12/13 830/990 CreditSesame (EX) 6/4/13 770 Credit.com (EX) 6/13/13 747 FICO Estimate 750 Vantage 3.0 Estimate 727
Contributor
rudy0720
Posts: 124
Registered: ‎08-10-2012

Re: Resisting Temptation!!

Why waste an inquiry on JCP? You must not follow the business news that says they probably won't be around  for 2014

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Chase Southwest Visa Signature-6K, Discover IT-$ 7K, Capital One-$5K, Capital One-$4K, Lowes-$10K, Chase Sapphire Preferred- $ 5K

Valued Contributor
chnceit
Posts: 1,198
Registered: ‎08-17-2008

Re: Resisting Temptation!!

I know its like I am doing something right when the preapprovals roll in! Keep strong and dont give in!!


$100K in Credit
Last App: 01/09/13

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