Regular Contributor
Posts: 152
Registered: ‎04-07-2013

Resisting the Urge to Apply for Another CC

[ Edited ]
Blue Cash Everyday - $33,600 | United MileagePlus Explorer Card - $16,000 | Discover It - $8,000 | Sapphire - $5,000 |
Freedom - $5,000 | Southwest Airlines Premier $5,000 l Better Balance Rewards - $2,500 | Golden 1 Credit Union Student Visa - $1,000

Total Credit Limit: $76,100 | FICO as of 12/21/2014: 764
Recent College Graduate l Age: 21 l Gardening as of 12/26/2014

Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011

Re: Resisting the Urge to Apply for Another CC

kevinnguyen530 wrote:

I made a promise to my significant other to not apply for anymore credit cards, especially since I do not need anymore. Even though I am a responsible user that PIF with a spotless record, I need to remind myself that I do not need anymore cards. I feel the main motivator is "status," proving to myself that I can "qualify" for something. 


It is a psychological battle, something that have led many people into debt or credit score problems. Unfortunately, it works almost similar to a game. Although my total limit is $6,000.00, I get that temptation to apply for another card just to bump it up higher. Unlike most people who might need a lot of cards for their lifestyles or careers.. I need to tell myself that as a student, I do not! I have to keep reminding myself that I am on the right track and that I just need to age my accounts.

I am satisfied with my cards and will continue to garden until my next card: AMEX. I do not need anymore credit cards given my current situation. I have two amazing cards with great benefits and serve. I am grateful and should be satisfied. 


No MORE applications. 

WTG on taking control!!


You should come over into the Garden threads and post there!! Make some goals for yourself! :smileyhappy:

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Posts: 26,656
Registered: ‎09-13-2012

Re: Resisting the Urge to Apply for Another CC

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