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Why is it so hard to refrain?

Frequent Contributor

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. Smiley Very Happy

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 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 $5000, 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
Message 11 of 31
Established Contributor

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
Message 12 of 31
Established Contributor

Re: Why is it so hard to refrain?


S7 wrote:

Fapping?!?!?!?!


fixed Smiley Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 13 of 31
Regular Contributor

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.


    NPSL              $25k            $25k              $23k              $22k               $16k              $12k              $10k            $6.5k
Message 14 of 31
Valued Contributor

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
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Message 15 of 31
Established Contributor

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
Message 16 of 31
Established Contributor

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
Message 17 of 31
Frequent Contributor

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. Smiley Very 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
Message 18 of 31
Established Contributor

Re: Why is it so hard to refrain?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 19 of 31
Established Contributor

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 20 of 31