Reply
Frequent Contributor
wreith
Posts: 461
Registered: ‎06-13-2012
0

Re: Why is it so hard to refrain?


maiden_girl wrote:

CruzImperial wrote:

Because we love the new plastic!


+1

I always look at my new cards for about a week before I begin using them...and I get a little sad when it gets swiped and it gets those "marks"...lol

 


+1  They need to make cards that will keep that just out of the envelope look. :smileyvery-happy:

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012
0

Re: Why is it so hard to refrain?

Eeeeeeeek!!! I'm excited to get mine in the mail!!!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Why is it so hard to refrain?


S7 wrote:

Fapping?!?!?!?!


fixed :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
CreditEd
Posts: 140
Registered: ‎07-01-2012
0

Re: Why is it so hard to refrain?

You've got to get your scores to the point where you see the diminishing return for another card. When the inquiries reach double digits and the next approval gives you less of a CL than the previous one, then you know it's time...

 

At that point you can begin to calculate your realistic changes of getting the better card that you really want. You'll come to understand that adding another 30-50 points to your score will put you into an entirely new level of cards. You'll see the advantages of "refraining" then.

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $5,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000)
Established Contributor
frugalQ
Posts: 510
Registered: ‎03-23-2012
0

Re: Why is it so hard to refrain?

Whenever I get the itch to app, I walk to my refrigerator and look at the picture of my dream house that I've taped on the door. Then, I come to this forum and read all of the approval threads. I guess I live vicariously through this forum. Lol
Capital One QuickSilver 4.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 7K - Amex BCP 16K - Chase Freedom 3K - Discover IT 7.5K - LOC 2.5K
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Why is it so hard to refrain?

Remember credit is a calulated level of trust between a issuer and a borrower, don't betray it cause if you do it'll betray you in the end.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012
0

Re: Why is it so hard to refrain?

Bahahahahahahaha!!!! Thank you! LOL!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008
0

Re: Why is it so hard to refrain?


wreith wrote:

maiden_girl wrote:

CruzImperial wrote:

Because we love the new plastic!


+1

I always look at my new cards for about a week before I begin using them...and I get a little sad when it gets swiped and it gets those "marks"...lol

 


+1  They need to make cards that will keep that just out of the envelope look. :smileyvery-happy:


I call and request new cards once a year... tell 'em the magnetic strip is worn down (which is mostly true) and they send me a new card. 


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Why is it so hard to refrain?

[ Edited ]


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
0

Re: Why is it so hard to refrain?

I know, I know! I want to app for Discover and Amex so bad and I know it's too soo. I have been app free since September. I added my 18 year old son as an authorized user to one of my cards last month so he would have history. Last night he applied for and was approved for his first credit cards, a $400 walmart and $500 cap 1 rewards.  I am living through him now!!!!!!!!

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}