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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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What causes the "app itch"?

[ Edited ]

Per other members, a separate thread should be made. Discuss!!!!

 

Edit: someone beat me to it :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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afbar1114
Posts: 2,179
Registered: ‎01-09-2012
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Re: What causes the "app itch"?

wanting more credit lol...rebuilding my credit wanting a better card rewards apr amount of credit...something new?


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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
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Re: What causes the "app itch"?

What I call the "DO SOMETHING NOW" syndrome.

 

In this day and age of quick information, knowledge and fixes, waiting months upon months for the credit situation to slowly resolve itself and grow (AKA the garden) can be quite aggravating. To some, apping gives a sense of control over their situation while just waiting can mean that the situation controls them.

 

 

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TeeandDee
Posts: 426
Registered: ‎02-09-2012
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Re: What causes the "app itch"?

[ Edited ]

This "Credit Card" forum! LOL!!!  All the great news about "Just got approved for this card" or got this offer in the mail!" or that card!!!! 

Slowly building....
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: What causes the "app itch"?


TeeandDee wrote:

This forum "Credit Card" forum! LOL!!!  All the great news about "Just got approved for this card" or got this offer in the mail!" or that card!!!! 


So true!!!




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
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: What causes the "app itch"?


FrugalRican wrote:

What I call the "DO SOMETHING NOW" syndrome.

 

In this day and age of quick information, knowledge and fixes, waiting months upon months for the credit situation to slowly resolve itself and grow (AKA the garden) can be quite aggravating. To some, apping gives a sense of control over their situation while just waiting can mean that the situation controls them.

 

 


+1




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
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Cdnewmanpac
Posts: 766
Registered: ‎01-16-2012
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Re: What causes the "app itch"?


TeeandDee wrote:

This "Credit Card" forum! LOL!!!  All the great news about "Just got approved for this card" or got this offer in the mail!" or that card!!!! 



Don't laugh. This is part of the answer: Onnela JP, Reed-Tsochas F, Spontaneous emergence of social influence in online systems, Proc Natl Acad Sci USA, 2010 Oct 26; 107(43): 18375-80

 
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: What causes the "app itch"?


Cdnewmanpac wrote:

TeeandDee wrote:

This "Credit Card" forum! LOL!!!  All the great news about "Just got approved for this card" or got this offer in the mail!" or that card!!!! 



Don't laugh. This is part of the answer: Onnela JP, Reed-Tsochas F, Spontaneous emergence of social influence in online systems, Proc Natl Acad Sci USA, 2010 Oct 26; 107(43): 18375-80

 

:smileyindifferent:




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
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
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Re: What causes the "app itch"?

For 10 years, I couldn't get credit to save my life! After waiting 10 yrs for a BK to fall off, and another 2 to rebuild credit, it's such a nice feeling to know I can be approved for credit again. It's like I'm in a club that I couldn't join before.

 

I think Frugal is right. In so many ways, credit is something we have no control over. We can't control our FICO. And one mistake -- like heaven forbid be 1 day late on a payment -- stays with you for 7 years. IMO, that's very punitive. Apping is one area where we do have some control. We can choose to app or not. So, it could be exerting control in a situation where we have very little.

 

I get so excited about getting credit that I have to remind myself it's not really a big deal. I mean, it's not free money. If I charge something, I have to pay for it, and if I don't PIF, then I pay through the nose in interest (which I'm unwilling to do). Credit is really a means to an end -- you *need* credit to get things you want -- like a car and house. The cards themselves really shouldn't give me such a buzz, but they do. :smileysurprised:

 

 

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Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
To-Be-Continued
Posts: 197
Registered: ‎06-08-2011
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Re: What causes the "app itch"?

Visiting dirty apps. Just sayin :smileytongue:

 

 

TBC

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