Besides the fact that I wouldn't get approved for anything worthwhile, for me and other rebuilders, we're always working on something. So I constantly have ONE MORE THING i need to wait for to update on my report before I can apply. I have collections getting deleted for instance. Or Duncan and his AMEX soft pulls.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Cr
I'm celebrating 6 months on this forum and my rebuild.
LS2982 wrote:IMO it's been alot easier staying away from credit card apps while i'm taking a break from the forums evet now and then. My job helps me stay away as well
my job doesnt!
i work in a bank so i see cc all day.
ive limted to leaving all my cards at home/car except a few.
bank card/chase freedom/ zync.
everything else is sock drawerd.
people around me still say, your credit is good enough to get an amex and i smile a little inside.
as for apps. its all about self control. as you can see how many posts i have in the 5 months ive been here ive been pretty active and have apped because of it in the beginning,
but ive also got ahold of myslef except for this last card.
i made it for 3 months but then again im sure lots of you wouldnt have turned down a inq free card.
im in the garden now for the long haul.
i wont be needing a car anytime soon, or a house, or any cards for that matter.
apping will be out of the question, but chances are ill be asking for a cli in the future.
distantarray wrote:it's just fun for some people, for instance people who already bought a house, cars and no big shopping left for a few years, they can app for anything and everything and not worry about their credit loss. If you have the ability ot hit 800+ you can app for anything you want you won't drop below 760. There's reward chaser couples who can take 20k+ per person each year in reward bonuses (it's been done, with loop holes) but realistically $5,000 in rewards a year is not too unheard of if that's all your doing is chasing points. so just a game for some people.
exhibit A from 1 year of cards
awesome!
armbenderc wrote:
distantarray wrote:it's just fun for some people, for instance people who already bought a house, cars and no big shopping left for a few years, they can app for anything and everything and not worry about their credit loss. If you have the ability ot hit 800+ you can app for anything you want you won't drop below 760. There's reward chaser couples who can take 20k+ per person each year in reward bonuses (it's been done, with loop holes) but realistically $5,000 in rewards a year is not too unheard of if that's all your doing is chasing points. so just a game for some people.
this stack is between a husband and a wife fyi.
and those are all cards in their collection not just the ones they use.
wonder if any of those got closed due to inactivity lol.
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