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Why is it so hard to refrain?

Valued Contributor

Re: Why is it so hard to refrain?


distantarray wrote:

S7 wrote:

Fapping?!?!?!?!


fixed Smiley Happy


LOL.

 

Personally, I like seeing/hearing that I have been approved. Getting the card is also nice, but the "rush" of filling out the application and getting the results is kind of addicting.

Message 21 of 31
Valued Contributor

Re: Why is it so hard to refrain?


Omaplatypus wrote:

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. 


Smiley Very Happy They should!

 

As of 2017, rebuilding...
Message 22 of 31
Valued Contributor

Re: Why is it so hard to refrain?

because its human nature to want what you can't/ don't have. 

its like a new toy once you get it your good for a few hours/ days and then you never touch it again. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 23 of 31
Valued Contributor

Re: Why is it so hard to refrain?

YOU HAVE TO TOUCH IT OTHERWISE YOUR ACCOUNT WILL BE CLOSED FOR INACTIVITY!

 

lol

As of 2017, rebuilding...
Message 24 of 31
Established Contributor

Re: Why is it so hard to refrain?


maiden_girl wrote:

YOU HAVE TO TOUCH IT OTHERWISE YOUR ACCOUNT WILL BE CLOSED FOR INACTIVITY!

 

lol


^ that's what she said Smiley Happy   and yes I went there Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 25 of 31
Regular Contributor

Re: Why is it so hard to refrain?

I apped 237 times on friday... I got approved for 137!!! WoooTTTT... not bad oddss...now I can garden for a few weeks and try the other 100 over again!!!

 

just kidding of course.. but that is how I feel sometimes...

 

I did app on Fri for two Amex cards (Hilton and Blue) and another cit card. Got all three.. now I REALLY dont need anymore cards...

 

I then said goodbye to 4 sub prime cards my wife and I had.. I was hanging on for aging purposes.

Message 26 of 31
Valued Contributor

Re: Why is it so hard to refrain?

I had only applied for three cards in the previous two years. One was a SP, the other two a HP. I only got approved for one, while the other two I got denied due to my UTIL.
Once I became active here, the itch to app has never been higher. I am resisting as hard as I can to app for the two cards I want next. (Walmart and Chase Disney).

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 27 of 31
Contributor

Re: Why is it so hard to refrain?

That itch is something powerful.  I'm holding off until I go pick up my new car, then I'm coming home and going after my 3 top cards on my wish list, then I'm going to chill for about 6-8 months.  I think my itch is really strong because I'm just now in a decent range and I haven't gotten a really "good" card yet.  Like a bank card with more than 1k.  Once I get that, I'll feel better and will probably be able to relax.

Message 28 of 31
Moderator Emeritus

Re: Why is it so hard to refrain?


distantarray wrote:

maiden_girl wrote:

YOU HAVE TO TOUCH IT OTHERWISE YOUR ACCOUNT WILL BE CLOSED FOR INACTIVITY!

 

lol


^ that's what she said Smiley Happy   and yes I went there Smiley Wink


And how did I figure it would be you?????   hahaha

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 29 of 31
Regular Contributor

Re: Why is it so hard to refrain?

Applying and getting approved was a high for a while. Almost better than pulling the lever of the one armed bandit. Truth is too many cards or inquires looks bad on your credit report. I stopped being a regular on the boards for a while and the thrill is gone. In the long run too many cards is spending temptation for many and debt sucks.
Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Message 30 of 31