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whats wrong w me!!

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dddfresh
Frequent Contributor

whats wrong w me!!

I just applied for the Discover IT card because MYFICO decides to shove it in my face and its all over the hockey game thats on right now. I decided to apply online and they said it needed to be reviewed, but I could call to expedite the process. SO i did and they asked why i had a million inquires and i wanted to tell them because I am a junkie, but he approved it for $1500 and i balance transfered $500 over to it. 


But seriously, I just got Amex Green, B of A 1-2-3, Wal Mart, Barclays Apple, this month...and chase southwest, freedom, two navy fed cards, and im probably forgetting something else or three.

 

I think I have "prime cards" and coming from First Premier Bank before I found this fourm, I should be estatic (and i have been) for getting any of these cards.

 

Why do i keep applying!?


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 1 of 26
25 REPLIES 25
dddfresh
Frequent Contributor

Re: whats wrong w me!!

and care credit..knew i forgot one 


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 2 of 26
myjourney
Super Contributor

Re: whats wrong w me!!


@dddfresh wrote:

I just applied for the Discover IT card because MYFICO decides to shove it in my face and its all over the hockey game thats on right now. I decided to apply online and they said it needed to be reviewed, but I could call to expedite the process. SO i did and they asked why i had a million inquires and i wanted to tell them because I am a junkie, but he approved it for $1500 and i balance transfered $500 over to it. 


But seriously, I just got Amex Green, B of A 1-2-3, Wal Mart, Barclays Apple, this month...and chase southwest, freedom, two navy fed cards, and im probably forgetting something else or three.

 

I think I have "prime cards" and coming from First Premier Bank before I found this fourm, I should be estatic (and i have been) for getting any of these cards.

 

Why do i keep applying!?


Congrats 

I dont even have to say where you should be on the way to do I? Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 26
dddfresh
Frequent Contributor

Re: whats wrong w me!!

haha no...ive had to change my "last app date" about four times...the picture for the garden has stayed the same. eye eye ye


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 4 of 26
BearsAndTurtlesRtheBest
Senior Contributor

Re: whats wrong w me!!

LMAO "I just applied for the Discover IT card because MYFICO decides to shove it in my face"Smiley LOL Just be careful and don't go app crazy. Be happy that discover approved your app. Congrats!

P.S your post made me laugh!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 5 of 26
b_seeker
Frequent Contributor

Re: whats wrong w me!!

You better be watching that Barclays with all those new accounts. . .



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Message 6 of 26
TimeToRecover
Established Contributor

Re: whats wrong w me!!

It starts with a G and ends with a N


Starting Score: 570 ish
Current Score:EX (701) EQ (711) TU (705)
Goal Score: 750
In My Wallet: GE Care Credit (8K) BestBuy (6K) BofA Cash Rewards Signature Visa (7K) Cap One Quicksilver (10.5K) Chase Freedom (4K) Lowes (6K) VS Angel Card (2.4K), Macys (4K)
Message 7 of 26
dddfresh
Frequent Contributor

Re: whats wrong w me!!

I got a MacBookPro for work the other day and I apped in store and was approved for 2200 so i put 1000 on it and put the other 900 on my freedom. I agree with you, though. I dont have any use for it other than the no interest for 12 months on the computer


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 8 of 26
dddfresh
Frequent Contributor

Re: whats wrong w me!!

haha seriously, I am usually always on my phone, but when i use my computer, MYFICO always gives the Discover POP UP


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 9 of 26
SnackTrader
Valued Contributor

Re: whats wrong w me!!

Hey ddd,

Can I ask why you used the BT offer for your Discover? Is it common for you to carry a balance?

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 10 of 26
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