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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: What causes the "app itch"?


To-Be-Continued wrote:

Visiting dirty apps. Just sayin Smiley Tongue

 

 

TBC


Smiley Very Happy




EQ FICO 548 3/3/16
Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

Re: What causes the "app itch"?


LS2982 wrote:

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

 

Smiley Indifferent


To summarize: participation in online forums influences our behavior, that behavior tends to become more extreme over time, this happens unintentionally. In other words, the "app itch" is caused, to some degree, by participation in this forum.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: What causes the "app itch"?


Cdnewmanpac wrote:

LS2982 wrote:

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

 

Smiley Indifferent


To summarize: participation in online forums influences our behavior, that behavior tends to become more extreme over time, this happens unintentionally. In other words, the "app itch" is caused, to some degree, by participation in this forum.


Gotcha!! I agree. But if you really want that prize you have to control it!




EQ FICO 548 3/3/16
Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: What causes the "app itch"?


Cdnewmanpac wrote:

LS2982 wrote:

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

 

Smiley Indifferent


To summarize: participation in online forums influences our behavior, that behavior tends to become more extreme over time, this happens unintentionally. In other words, the "app itch" is caused, to some degree, by participation in this forum.


I definitely agree with it.

It's a double-edged sword. Had it not been for these forums, I probably wouldn't have an AMEX BCE, but if it weren't for my sense of self-control and willpower, I'd probably have 13 more cards. The "Keeping up with the joneses" makes it way into some of the threads sometimes. You see the other guy app and get the 60K bonus miles and see his info is relatively similar to yours, so why not... and then you post about how you might app... and then someone else chimes in "DO IT!", so at that point, you got the validation you needed... except, the other people aren't getting hit with INQ's but you are.

 

I wonder if people DID get hard pulls for suggesting credit card apps, if we'd see a much deader Credit Card forum.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Regular Contributor
Posts: 197
Registered: ‎06-08-2011
0

Re: What causes the "app itch"?

[ Edited ]

FrugalRican wrote:

Cdnewmanpac wrote:

LS2982 wrote:

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

 

Smiley Indifferent


To summarize: participation in online forums influences our behavior, that behavior tends to become more extreme over time, this happens unintentionally. In other words, the "app itch" is caused, to some degree, by participation in this forum.


I definitely agree with it.

It's a double-edged sword. Had it not been for these forums, I probably wouldn't have an AMEX BCE, but if it weren't for my sense of self-control and willpower, I'd probably have 13 more cards. The "Keeping up with the joneses" makes it way into some of the threads sometimes. You see the other guy app and get the 60K bonus miles and see his info is relatively similar to yours, so why not... and then you post about how you might app... and then someone else chimes in "DO IT!", so at that point, you got the validation you needed... except, the other people aren't getting hit with INQ's but you are.

 

I wonder if people DID get hard pulls for suggesting credit card apps, if we'd see a much deader Credit Card forum.



Who does that? Smiley Very Happy

AUDE VIDE TACE :
Starting Score: 684
Current Scores: EQ 796 TU 794 EX 750 (All lender pulls on 2/9/12)
Goal Score: 800 all 3
Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: What causes the "app itch"?

Indeed, who does that. I believe you'd be sharing my hard pull for the Discover More and Revelate for the AMEX BCE.

 

Thus proving CD's posting.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: What causes the "app itch"?

It is an addiction like gambling.   And reading the forum about other's successes is a trigger.

 

I'm going to bet that a lot of us here have addictive tendencies (Alcohol, drugs, cigs, gambling, sex, etc). 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: What causes the "app itch"?


FrugalRican wrote:

Cdnewmanpac wrote:

LS2982 wrote:

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

 

Smiley Indifferent


To summarize: participation in online forums influences our behavior, that behavior tends to become more extreme over time, this happens unintentionally. In other words, the "app itch" is caused, to some degree, by participation in this forum.


I definitely agree with it.

It's a double-edged sword. Had it not been for these forums, I probably wouldn't have an AMEX BCE, but if it weren't for my sense of self-control and willpower, I'd probably have 13 more cards. The "Keeping up with the joneses" makes it way into some of the threads sometimes. You see the other guy app and get the 60K bonus miles and see his info is relatively similar to yours, so why not... and then you post about how you might app... and then someone else chimes in "DO IT!", so at that point, you got the validation you needed... except, the other people aren't getting hit with INQ's but you are.

 

I wonder if people DID get hard pulls for suggesting credit card apps, if we'd see a much deader Credit Card forum.


+1!

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

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

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: What causes the "app itch"?

No real addictions here for me.....except myFICO forums!



EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Re: What causes the "app itch"?


LS2982 wrote:
No real addictions here for me.....except myFICO forums!


now now dont lie..we both have addictions for apping


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30

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