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should i???

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LS2982
Mega Contributor

Re: should i???


@afbar1114 wrote:

nah it will help me control my self if i dont 


IMHO there is no possible way you recieving CC offers in the mail is going to help you control yourself. Be honest, you'll be making threads here asking us all if you got a shot for the card and hoping we'll agree with you.




EQ FICO 548 3/3/16
Message 21 of 41
webhopper
Moderator Emeritus

Re: should i???

Keep them all open, put the paid off ones in the sock drawer, or cut the card up with scissors... you can always order a new card later... just tell them it got lost. 

Stop applying for new credit until all of these are aged

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 22 of 41
webhopper
Moderator Emeritus

Re: should i???


@LS2982 wrote:

@afbar1114 wrote:

nah it will help me control my self if i dont 


IMHO there is no possible way you recieving CC offers in the mail is going to help you control yourself. Be honest, you'll be making threads here asking us all if you got a shot for the card and hoping we'll agree with you.



Smiley Very Happy  haha... LOL at this post.     Also, OP, you should consider freezing your reports for a yr... that way you can app all day long and then give up the ghost after you get the 14 day messages Smiley Tongue

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 23 of 41
afbar1114
Valued Contributor

Re: should i???

i keep 3 cards with me at all times just in case. i always have my zync and then my slate and then cap1 but i might leave cap1 at home.. i never just wanna carry one card on me 

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 24 of 41
FrugalRican
Blogger

Re: should i???


@afbar1114 wrote:

nah it will help me control my self if i dont 


 

Almost as cringeworthy as someone from AA walking into a bar just to "control himself".

Remove the temptation.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 25 of 41
Chris123nTx
Established Contributor

Re: should i???

Ahhh not to judge, but self control??
Message 26 of 41
Chris123nTx
Established Contributor

Re: should i???

I keep my drivers lic and concealed carry permit with me at all times..just in case
Message 27 of 41
mmduluth
Frequent Contributor

Re: should i???


@Chris123nTx wrote:
I keep my drivers lic and concealed carry permit with me at all times..just in case

+1 (no such thing as CC permit in GA though; we carry however we want) ;-)

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Message 28 of 41
drkaje
Senior Contributor

Re: should i???

Perhaps afbar needs a realistic long term plan and a hobby between apps that isn't in any way related to credit. Smiley Happy

 

I hate managing 7 cards but digging out of this hole and doing school stuff properly will just take time. In 3 years I'd like to cancel at least 2 cards. In 5 years I plan on being down to three cards


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 29 of 41
Anonymous
Not applicable

Re: should i???


@Chris123nTx wrote:
I keep my drivers lic and concealed carry permit with me at all times..just in case

+1

Message 30 of 41
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