app dog house

[afbar1114]

I appbar will be putting my self in the app doghouse...

[LS2982]

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@afbar1114 wrote:
I appbar will be putting my self in the app doghouse...

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Did you app again........

[pizzadude]

Is this a step up or down from the dungeon ??

[TNTransplant]

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@pizzadude wrote:

Is this a step up or down from the dungeon ??

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LOL!

I thought the dungeon was as low as one could go, but maybe the dog house is even lower - sort of like Dante's Circles of App Hell...  

[CreditWorld2013]

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@pizzadude wrote:

Is this a step up or down from the dungeon ??

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It must be a step down from the dungeon. Perhaps we should build a dungeon in the current dungeon just make it go deeper. 

[Walt_K]

I seriously thought someone was going to be financing a doghouse at first.  I need to take a break.

[getahead]

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@Walt_K wrote:

I seriously thought someone was going to be financing a doghouse at first.  I need to take a break.

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LOL! that is too cute!

[afbar1114]

Yea i apped again for a boa card but got it with a $800 cl apr 14.25

[CreditWorld2013]

APPBAR I'm curious how many inquiries do you have on each report? It's strange for so many approvals in short time.

[bichonmom]

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@afbar1114 wrote:
Yea i apped again for a boa card but got it with a $800 cl apr 14.25

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Last summer, I got some good advice here, which I listened to and which has paid off. I was very@ frustrated because I only had low limit CCs (200, 300, 2 @ 500) and I wanted a decent limit card. People told me to STOP apping, or else I would be stuck with a bunch of toy-limit CCs and wouldn't be able to get any decent CL cards. So, I stopped apping for 6 mos. Then I was able to get Navy and Barclays @ $2000 & $2200, and a few mos later, I got a CLI on my 500 visa to $2500. I'm positioning myself for CLIs this year, and hope to get 5-digit CLs.

You need to STOP apping, or else you're digging a hole for yourself that you're not going to be able to get out of. You'll be stuck with a bunch of toy-limit CCs that frustrate you and that you then close, only to app for something else in the hopes of getting a better limit -- which you won't because of your credit history.

Opening and closing accounts kills your AAoA and doesn't reflect well when loan officers/underwriters review your CR. You're creating the very thing you DON'T want by your actions.