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Established Contributor
Posts: 699
Registered: ‎03-16-2012
0

Too many apps

So many applications this year...i have 11 on each report... i finally stopped cause of so many denials and a few approvals... Should i expect my scores to bounce back in a year???  Wanna garden until 6/2014..but is that even possible... So hard to not apply i feel like an app addict 


Smiley Sad


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Frequent Contributor
Posts: 328
Registered: ‎01-26-2012
0

Re: Too many apps

I too feel your pain!!!! Smiley Sad

 

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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Too many apps

+1

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Too many apps

Inactivity is sometimes the hardest thing to accomplish. Feel free to join the garden club for some anti itch cream. At this point you already know that apping is counterproductive to your real goals.... the next step is to try to change your behavior to one of strategy instead of impulse. Good luck and I hope to see you in the garden!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Too many apps


Credit314 wrote:

+1


 

Credit314 do you mind elaborating on your experiences? Detailed and constructive posts containing your experiences and thoughts are always helpful to others who may be going through the same thing! Thanks in advance for your additional input!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Posts: 699
Registered: ‎03-16-2012
0

Re: Too many apps

How do you guys do it??? i had no credit for 6 yrs cause i ruined my credit then, i didnt care until i almost all the negs starting fallin off... Got approed for a few cards finally and now its so hard to stop applying


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Too many apps


kobe2012 wrote:

How do you guys do it??? i had no credit for 6 yrs cause i ruined my credit then, i didnt care until i almost all the negs starting fallin off... Got approed for a few cards finally and now its so hard to stop applying


 

The way I stopped was with a reality check from my dear hubby. I was asking him about applying for a business amex and he looked at me and said; "honey you have one credit card with a 20 thousand dollar limit; and one with no pre set limit.... what in the world do you need more for?" At that point I was done with cards. Thanks to my husband who is my rock and keeps me grounded in reality.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Contributor
Posts: 106
Registered: ‎11-08-2012
0

Re: Too many apps

[ Edited ]

kobe2012 wrote:

How do you guys do it??? i had no credit for 6 yrs cause i ruined my credit then, i didnt care until i almost all the negs starting fallin off... Got approed for a few cards finally and now its so hard to stop applying


What I don't get is how people that read these forums are able to garden. Reading about everyones approval and success stories just give me urges.

 

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Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
0

Re: Too many apps

One thing I did to avoid the app itch was to do some research on what your next move is. I took this list: http://www.indexcreditcards.com/creditcardlist.html and started doing some research about each card offered, if I felt that it might help me in the future, I cut and pasted the url into a word document. I made it like a scavenger hunt to find out what cards I might be eligeable for and thinking when I might app for each. I plotted out a 6 month strategy, a 1 year strategy and a 2 year strategy. For me all my CO's will drop in about 24 months so apping after that time fram would work. Try it, it helps.


Established Contributor
Posts: 560
Registered: ‎09-29-2012
0

Re: Too many apps


obageegee wrote:

One thing I did to avoid the app itch was to do some research on what your next move is. I took this list: http://www.indexcreditcards.com/creditcardlist.html and started doing some research about each card offered, if I felt that it might help me in the future, I cut and pasted the url into a word document. I made it like a scavenger hunt to find out what cards I might be eligeable for and thinking when I might app for each. I plotted out a 6 month strategy, a 1 year strategy and a 2 year strategy. For me all my CO's will drop in about 24 months so apping after that time fram would work. Try it, it helps.


+1 for the strategy.

 

 

That's what I ask myself when researching cards.  How will it help me?  What will it do for me?  Will I be better off apping for this card or will I have buyer's remorse?

 

 

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