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i need a zapper...

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afbar1114
Valued Contributor

i need a zapper...

my computer need to zap me when ever i think about apping..i havent yet but i want to i need to learn not to keep applying for cards for six months so i can get a good prime card with a good CL

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 15
14 REPLIES 14
Imhotrodcrazy
Valued Contributor

Re: i need a zapper...

You can do it, I know you can.  I went 2 and a half years before I got my AMEX last Dec. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 2 of 15
afbar1114
Valued Contributor

Re: i need a zapper...

i only want 3 things in six months a bce, freedom, cli on slate
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 3 of 15
Anonymous
Not applicable

Re: i need a zapper...


@afbar1114 wrote:

my computer need to zap me when ever i think about apping..i havent yet but i want to i need to learn not to keep applying for cards for six months so i can get a good prime card with a good CL



Look at it this way. Eventually you're going to have so many inquiries that everyone is going to start denying you, and that that point you'll have no choice but to stop apping and wait a year for the inquiries to drop off. Either you can stop apping now, or you can get to that point and then be forced to garden against your will.

I really should be gardening, but reading these forums makes it hard.

Message 4 of 15
seattletravels
Valued Contributor

Re: i need a zapper...


@Anonymous wrote:


Look at it this way. Eventually you're going to have so many inquiries that everyone is going to start denying you, and that that point you'll have no choice but to stop apping and wait a year for the inquiries to drop off. Either you can stop apping now, or you can get to that point and then be forced to garden against your will.

I really should be gardening, but reading these forums makes it hard.



+1

 

You really just have to sit down and think about what your goals are and decide if you really need it.  We're all tempted to apply for things, but I know that hitting that app button could prevent me from getting a mortgage. Smiley Happy



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 5 of 15
pkhuu78
Contributor

Re: i need a zapper...

I need one too please...


......NPSL.........14.5 K............30 K..........20 K.........10 K...............8 K.............7.5 K..........
Message 6 of 15
afbar1114
Valued Contributor

Re: i need a zapper...

i may need to stay a way from myfico fourms lol
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 7 of 15
jeffery581
Established Contributor

Re: i need a zapper...

Can I buy (charge) one also please?

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Message 8 of 15
tcbofade
Super Contributor

Re: i need a zapper...

Hey, good point....

 

I wonder if the fictional company that manufactures the fictional "app zapper" offers a zero percent financing card??

 

Sign me up!  Smiley Tongue

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 9 of 15
LS2982
Mega Contributor

Re: i need a zapper...


@afbar1114 wrote:

my computer need to zap me when ever i think about apping..i havent yet but i want to i need to learn not to keep applying for cards for six months so i can get a good prime card with a good CL


Just keep in mind that the more you app, the more declines you will recieve for recent INQ's. Try to focus on 1 card every 6 months.




EQ FICO 548 3/3/16
Message 10 of 15
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