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Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: You're a Credit Addict If...

...when you look forward to actually paying your bills bc you can't wait to see how many points your score will rise after they report



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Established Contributor
masscredit
Posts: 855
Registered: ‎07-17-2012

Re: You're a Credit Addict If...


djc1puno wrote:

...when you look forward to actually paying your bills bc you can't wait to see how many points your score will rise after they report


This and when the first thing you do when you wake up is grab your phone to log in and see if your scores changed on update day. 


|****$8000****|****$6000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$1400*****|****$1350*****|
EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)
Contributor
1_2
Posts: 174
Registered: ‎03-06-2012

Re: You're a Credit Addict If...

when you google how many days it is before you can app again. lol Ive seriously done that. Shoot.








Closed on home Jan 30, 2013. Yay!

Capital One (secured) $1000.00 | Capital One (former Orchard Bank) $500.00 | First Premier $500.00 | Credit One Bank $750.00 | Wal-Mart $3550.00 | Citi Thank You Preferred $6,800.00 | Discover It $4,800.00 | AMEX BCE $4,500.00
Established Contributor
chwebb1
Posts: 555
Registered: ‎10-11-2013

Re: You're a Credit Addict If...

[ Edited ]

09Lexie wrote:
-you have the numbers for credit analysts saved as a Contact in your phone
-you can rattle off sign up bonuses, offers etc
-you check your CR's daily
-you make purchases based on statement dates
-you calculate your util as often as you pull your CR's

Doesn't everyone do this? :smileyhappy:

Also, according to your browser, your most frequently visited sites include americanexpress.com, discover.com, and citi.com checking your balances and rewards. And you also have to calculate your utilization ratio every time you log in to remain under 10%.

 photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo ScreenShot2013-10-12at111542PM.png photo DISCOVER_IT_LG.gif photo 8BEB_SIGNATURE_VISA_CASH_REWARDS_190x124.jpg photo HNY2HNY2.png photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png
$5000 ............ $4300 ............ $4000 ............ $2750 ............ $2500 ............ $1000 ............ $1000 ............ $1000
In the Garden until at least May 2015.
Regular Contributor
KoolDev
Posts: 230
Registered: ‎09-26-2013

Re: You're a Credit Addict If...

When you get mad at your phone because you cant sign into to check your scores and the forum !

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Frequent Contributor
cookiebird
Posts: 280
Registered: ‎05-16-2013

Re: You're a Credit Addict If...


djc1puno wrote:

...when you look forward to actually paying your bills bc you can't wait to see how many points your score will rise after they report


this has been my favorite part of rebuilding!




last app 11/13/2013 gardening for at least a year
Valued Member
CCspoiledbrat1
Posts: 52
Registered: ‎09-16-2013

Re: You're a Credit Addict If...

1) When you create a spreadsheet for cc's and update it daily or at least glance at it.
2) That akward moment when you try to explain to a friend that CreditAddict & Lexie09 are your NEW Forum besties : /
3) Before applying for new credit you want to know the Underwriting Bank. -smart a¥¥!!!!

updated IN THE GARDEN UNTIL: 8/14/14
Cap1$500 |Express$900 |BILLMELATER$500|Shell$200
MarathonGas$200 |NFCUCshRwrdsVisa$2.5K |NFCUGoRwrdsMC$5K
AmazonStore$1.2K |AmazonRewardsVisa$500 |DiscoverIT$500
BUCKLE$500/MACYS CLOSED
Established Contributor
masscredit
Posts: 855
Registered: ‎07-17-2012

Re: You're a Credit Addict If...

Adding to this... I used the wrong credit card to pay for a gallon of milk last night. The charge won't post to my account until the weekend and the statement closes Saturday night so I'd end up with it posting as a balance of $3.99 instead of my usually zero. Couldn't make the payment online because it hadn't posted, using Bill Pay though my bank wouldn't get it done in time (I did it anyway, just in case) so I called Cap 1 to see what could be done. They were able to take a payment on my debit card so it will post tomorrow, just before the statement closes.  All that to cover a gallon of milk :smileyhappy: 


|****$8000****|****$6000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$1400*****|****$1350*****|
EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)
Established Contributor
creditFiend
Posts: 732
Registered: ‎12-14-2013

Re: You're a Credit Addict If...

Guilty!
I have EO & backdoor numbers saved as contacts.
Check reports daily. Make purchases based on stmt dates. Glad to now know I'm not 100% looney. Lol

*hover over images
Established Member
sterl1002
Posts: 22
Registered: ‎11-25-2013

Re: You're a Credit Addict If...

[ Edited ]

... You come up with ridiculous reasons to justify apping for more cards. ex. "The dry cleaner takes Discover, so I better app for a Discover card!" (when they would take any one of your many Visa or Mastercards also). Not that that's anyone I know :smileywink:


Starting Score: 623
Current Score: 708 (myFICO EQ)
Goal Score: 750


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