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What did I just do

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Gornet
Frequent Contributor

What did I just do

Okay so I am addicted .
I just applied for the PRG knowing I couldn't get one but I did it anyway. Anyone else make such selfish decisions UGHHHH #failingatlifesobad
I just need to know I'm not the only one :/
PRG NPSL - Reserve 4.5k - Delta Gold 6.5k - Ritz 6.8k - CSP 5k
My Credit story
Message 1 of 8
7 REPLIES 7
Kennie02
Frequent Contributor

Re: What did I just do


@Gornet wrote:
Okay so I am addicted .
I just applied for the PRG knowing I couldn't get one but I did it anyway. Anyone else make such selfish decisions UGHHHH #failingatlifesobad
I just need to know I'm not the only one :/

Don't feel bad! I was at Costco and decided I would apply for their TE card. Got a decline and I knew I would because my scores were still in the 500's! What was I thinking?! Now I have that INQ on my CR til 12/2015.... 

NFCU cash $25k | BofA Custom Cash $25k | Amex BCP $18k| Costco Anywhere $14.5k | Apple Card $5.25k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $3.5k | Citi DC $3.5k | Citi AA Mile Up $3.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $2.5k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 8/16/22
Starting score 09/2013: 530 Current FICO 8:
Credit Age:
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Inq (6/12/24M):
Message 2 of 8
nachoslibres
Established Contributor

Re: What did I just do

I haven't had that issue (yet), but if I did I would likely freeze my CRs.

Message 3 of 8
Kenny
Moderator Emeritus

Re: What did I just do


@nachoslibres wrote:

I haven't had that issue (yet), but if I did I would likely freeze my CRs.


Good idea for the OP.

Message 4 of 8
baller4life
Super Contributor

Re: What did I just do

Indeed! Prevents spontaneous apps. Smiley Wink
Message 5 of 8
longtimelurker
Epic Contributor

Re: What did I just do

So sounds like someone should make an app that simulates the credit card application process, and gives random approves or declines (and if approved, random CLs and APRs).  Then the truely addicted would get their rush at seeing "Approved" from time to time, without any damage to their credit  report

Message 6 of 8
PandiferBear
Frequent Contributor

Re: What did I just do


@Smiley Very HappySmiley Very HappySmiley Very Happylongtimelurker wrote:

So sounds like someone should make an app that simulates the credit card application process, and gives random approves or declines (and if approved, random CLs and APRs).  Then the truely addicted would get their rush at seeing "Approved" from time to time, without any damage to their credit  report


+1

 

Would love to see this. Would be a great go-to in moments of weakness.  Then I could stop abusing the preapproval sites.

EX 793 (06/29/16) TU 787 (07/03/16) EQ 711 (06/30/16) Goal: 780 across the board
Amex Everyday: $25,000 | Venture: $15,000 | Chase Hyatt: $12,000 | Discover IT: $11,700 | Barclay Ring $7,500 | Quicksilver: $7,750 | CareCredit: $5,000 | Amazon Synch: $5,000
Message 7 of 8
creditFiend
Established Contributor

Re: What did I just do

+2

@longtimelurker > You're on to something! I would use that app!
Last app: 2/21/2016
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CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
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Message 8 of 8
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