Credit Card Center Advertiser Disclosure

New Member
Posts: 9
Registered: ‎05-04-2009
0 Kudos

Someone please talk me down.....

Lost control after getting approval for a lowly American Dreamcard and went on apping spree.  

(Banging head on desk).  

Now in lovely limbo for Home Depot and Lowe's cards, but received 7-10 day messages after online approval, so my anxious watching/waiting is likely in vain...

Was making slow, but steady progress....why, oh why, do we app spree......

(Banging head again)

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: Someone please talk me down.....

lol, welcome to the forums.

Where do you want to go with your credit? Both your overall credit profile (FICO scores and reports) and individual credit wants/ needs? Do you have a plan on how to reach these goals? And do you have this plan written down somewhere that you can refer to as often as necessary?

I took myself out of the credit market twice --once for 5 months, once for a year --while waiting to get to an optimum place. The only way that I hung in there, especially since I read 100+ posts on the CC board every day, was to write it all out on a Notepad note and save it to my desktop. I read this stuff every single time I logged on, and it reminded me of what my goals and my plans for achieving them were.

It is so, so easy to get swept up in impulsive apps. A card gets hot here on the forums, or you're in the dumps and a pre-approval arrives, or a co-worker is waving around some shiny new plastic, anything. That's why I think that it is absolutely critical to come up with your own plan, have it written out, and refer to it as often as needed, in order to stay on the right track.

In the meantime, good luck with your pending apps. They might not have been what you needed to be doing right now, but if either or both are approved, they'll start adding clean credit history to your reports.
* 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
New Member
Posts: 9
Registered: ‎05-04-2009
0 Kudos

Re: Someone please talk me down.....

Sage advise.  Thanks!


If I had spent as much time strategising as I have getting worked into a frenzy (ooooh...what about that one!)

I would be moving ahead instead of getting dinged for inquiries.


Slow and steady....slow and steady...keep on keeping the good newer accounts in good shape and wait for the old paid baddies to fall away.....


This is a great forum.  I'm glad I stumbled across it.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.