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Valued Contributor
navigatethis12
Posts: 1,951
Registered: ‎01-24-2012
0

Re: Why is it so hard to refrain?


distantarray wrote:

S7 wrote:

Fapping?!?!?!?!


fixed :smileyhappy:


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.

Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

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. :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. 


:smileyvery-happy: They should!

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Why is it so hard to refrain?

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

 

lol

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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 :smileyhappy:   and yes I went there :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011
0

Re: Why is it so hard to refrain?

[ Edited ]

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.

Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
0

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.

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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 :smileyhappy:   and yes I went there :smileywink:


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!
Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011
0

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!!

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