When Did You Finally Stop Chasing Credit Approval?

[RushXTC]

When I reached 20 cards... lol

Nah, When I was approved for American Express. It was a huge achievement for me, However it took me nearly 3 years to get to this point!

I probably won't apply for anymore credit cards/store cards unless something catches my eye, But this won't be for a while as I'm in the garden trying to age my history and drop those inquiries.

[racer-x]

I think I'm done with obtaining more credit.  One year ago, I had a $500 Cap One card, $750 reserve LOC at US Bank, and a motorcycle loan with HSBC/Cap One.  Since then, I've obtained about 12 new CC accounts with a total  CL over $90k,  financed a new Harley Davidson, and financed 2 used vehicles.  Utilization currently 10% and going down...I carry balances on 3 CC accounts.

I did all that in preparation to buy a house in the summer of next year.  I don't see the need for more credit.  My cards are ok....I'm not somebody that chases rewards so much.  Just nice limits are good for me.

I went a good 10yrs living modestly and with practically no credit...life changes, a job change and personal changes, did the trick.

[Credit-hoarder]

I've put a "cap" of 12 cards max. on myself and currently have 8. I'll  hopefully stop when I have: Macy's AMEX (I currently have Macy's store card), 1 Citi Visa/MC, 1 Chase Visa/MC, and EITHER an AMEX revolver OR one of Capital One's upper tier cards.

[bmwatts0386]

if i dont get the invite to centurion...then ill never be finished 

[CCspoiledbrat1]

 Not settled yet, I'll stop once when I acquire a Citi Card with Travel Rewards(though I have a Shell Gas Card) , a real Amex, Chase and Discover cards. Until then clear a path--------------Hard Work and Dedication with a little Malcom X (by any means necessary)

[09Lexie]

Oh, Ron..where art thou?

[DBB]

For those of you who have moved clearly into the prime world, how long did it take before you:

1. Settled down with the credit cards you have and stopped chasing after credit 

My senior year in college when I actually took an interest in learning about credit.  PC'd BOA Student Platinum Plus to Privileges Cash Rewards and applied for the AMEX Platinum. These are the only two personal cards I ever see myself having, unless I can replace the Platinum with a Centurion one day. 

2. Started receiving pre-approval offers for prime cards?

 Roughly after a year of credit history. 

[toppers555]

Interesting question.

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@DBB wrote:

For those of you who have moved clearly into the prime world, how long did it take before you:

1. Settled down with the credit cards you have and stopped chasing after credit 

My senior year in college when I actually took an interest in learning about credit.  PC'd BOA Student Platinum Plus to Privileges Cash Rewards and applied for the AMEX Platinum. These are the only two personal cards I ever see myself having, unless I can replace the Platinum with a Centurion one day. 

2. Started receiving pre-approval offers for prime cards?

 Roughly after a year of credit history. 

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1

[eddie84]

Never!   I'm after the elusive Amex Black & JP Morgan Palladium card so... 

j/k  I don't think I'll ever be able to get either one since my spending/income isn't high enough. lol

[Networth]

800+ and 4-5 "ultimate" cards for my spending pattern and I'm set.