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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Moderator
09Lexie
Posts: 26,608
Registered: ‎09-13-2012
0

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:

Contributor
BearOSO
Posts: 97
Registered: ‎10-03-2012
0

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!!!

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Resisting Temptation!!

Lol!!! I love my JCP card :-) the highest initial cl I think is $2000.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
jsucool76
Posts: 3,983
Registered: ‎12-11-2011
0

Re: Resisting Temptation!!

I had to resist temptation when I saw the post about the $400 sign up bonus for the nfl card. Haha.
;
Moderator
09Lexie
Posts: 26,608
Registered: ‎09-13-2012
0

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! 

Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
daybreakgonesXe
Posts: 1,867
Registered: ‎11-17-2012
0

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)

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 759 EQ 718 TU 740 Credit Karma (TU) 790 Transrisk 820/990 Credit Sesame (EX) 766 Credit.com (EX) 774 VantageScore 3.0 726 Quizzle (EQ) 721
Regular Contributor
rudy0720
Posts: 220
Registered: ‎08-10-2012
0

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, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Resisting Temptation!!

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


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Last Credit Card App: 11/16/13

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