Reply
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Shot my self in my foot

I feel like I shot my self in my foot. I could not keep fingers off the app's and I applied for BestBuy Card. I received letter stating they could not verify my identity due to the online app. I should have sent the letter to shredder. Instead I called them, After asking couple of questions CSR says congractulations you are approved for BBRZMC with $300 CL + AF and card will arrive in 7-10 days. I am more like why did I do this to my self. New account and sleezy $300 CL and on top of it AF. I have no idea what I drank last night or what kind of hangover I have to do this to my self. All the hardwork for the last 18 months goes the drain. It is time for me to check my self into ConcordCenter and rehabiliate my self. What a stupid I am to fall for this. I guess some people never learn. Especially me.
Established Contributor
ChesterPDexter
Posts: 618
Registered: ‎06-18-2007

Re: Shot my self in my foot

Hey, aren't you being just a little bit hard on yourself?  I also pledged "no apps in 2009" but I've broken that.  I got a Capital One card with a $500 CL and an annual fee, also.

 

 

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,114
Registered: ‎04-01-2007

Re: Shot my self in my foot

Ouch, sorry. I had buyer's remorse on my Barclay's Barnes and Noble and closed it after six months. Never should have app'd it. Oh, well, live and learn.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
MidnightVoice
Posts: 8,154
Registered: ‎03-25-2007

Re: Shot my self in my foot

How many cards does that make it?  :smileyvery-happy:
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor
jaxstraw
Posts: 570
Registered: ‎03-29-2008

Re: Shot my self in my foot

Hey Concord,

 

Live and learn but don't beat yourself up in the process.

 

Only you can make the decision as to when is enough and at least there is support and advice to lean on here.

 

You seem to be ready for a 'cooloing' period and as a regular visitor to this site as well as the others you are on I hope you do for a while.

 

Good luck if you decide to stop , app'ing has addictive qualities to it and that is a subject I'm well versed on. 

 

There is more at stake here than the 300 CL.

 

Just my two cents, good luck again.

 

Jax

 

 

 

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Valued Contributor
Lady_Scarlet
Posts: 2,385
Registered: ‎09-10-2007

Re: Shot my self in my foot

[ Edited ]

BB-MC is one of the ones i fired without a replacement in hand.

 

Limit stunk ($650), CS stunk, pitiful CLIs - and paying to be treated badly didn't sit right.

 

When you are craving an app think about what you HAVE (works for me, but then I still get a letdown when I check the mail and there isn't a new card).  I ask myself: why the ___ do I need another card --- if maxed the ones I have now I would have to declare bankruptcy!   If I REALLY NEED a 'new card'  I'll change the design on one I already have.

Message Edited by Lady_Scarlet on 02-01-2009 11:00 PM
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
Mega Contributor
Creditaddict
Posts: 16,884
Registered: ‎10-23-2007

Re: Shot my self in my foot

wow, your in high 680's are you not? and 300 cl, I'm so not applying again!
Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Established Contributor
Pappy214
Posts: 794
Registered: ‎08-05-2008

Re: Shot my self in my foot

I am trying to hold of until September to app, that way each credit report will have only 1 INQ on it and my AAoA will be well over a year!  I am hoping that will give me a better chance at some nice cards. Of course in Spetmeber I will probably go on an App Spree which will destroy all of the progress I have made to date. :smileywink:
____________________________________________________

"Evacuate, in our moment of triumph? I think you overestimate their chances."
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: Shot my self in my foot

Hey Concord,

 

Its done, you did it, and definitely move on. Learn from this and just don't do it again for awhile.

 

Also I would recommend that you cancel the card or call to have the AF waived. If not, then cancel it. You have a lot of cards already and you don't need to pay an AF for this card.

 

You took the hit for the inq and new TL, but that will go away.

 

Have your eyes set on something you want with a timeline and that will hopefully prevent you from applying again for awhile.

 

 

Established Contributor
Pappy214
Posts: 794
Registered: ‎08-05-2008

Re: Shot my self in my foot

I take it they won't give out decent CLI's which is why Concord should cancel?
____________________________________________________

"Evacuate, in our moment of triumph? I think you overestimate their chances."

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+