Frequent Contributor
Math_Rocks
Posts: 485
Registered: ‎05-11-2007
Re: Ok I'm officially done app'ing for the year

MidnightVoice wrote:

Nmbr1ballr wrote:
Why the hell would you have even 42 accounts? 

 

Hitch Hikers Guide to the Galaxy

MV,

 

That totally rocks! Wish I would have thought of it.

 

Don't forget your towel! 

Filed Chapter 13 bankruptcy 04/12 after two and a half years in a DMP. So wish we would have done the BK sooner. Live and learn!
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
Re: Ok I'm officially done app'ing for the year

I am so old that I listened to the first broadcast of the first series on the radio.

 

And I recorded them and got lots of free beer for making copies  :smileyhappy: 

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Valued Member
JRInWA
Posts: 26
Registered: ‎04-26-2008
Re: Ok I'm officially done app'ing for the year
[ Edited ]

MidnightVoice wrote:

47 is not the correct number of accounts.  What is the correct number, you may ask?

 

The answer is 42

 


Hehe.. ok MV you got me :smileysurprised: I just counted them and I have exactly 42 open revolving accounts so you are absolutely correct!  Since you're checking up on me :smileytongue: I decided to go back and count my closed account as well.  I actually closed 21 not 16 accounts in the past 12 months not including the two that were involuntarily closed highlighted in red:

 

CLOSED ACCOUNTS
Household Bank VISA - $1,355.00
Applied Card Bank VISA - $1,300.00
Juniper Bank US Airways MasterCard - $750.00
First Premier Bank VISA - $625.00
Bank of America  US Airways MasterCard - $500.00
HSBC Discover - $500.00
HSBC MasterCard - $500.00
Capital One MasterCard - $500.00
Capital One MasterCard - $500.00
PayPal Buyer Credit Credit Account - $700.00
Best Buy Credit Card - $500.00
Wal-Mart Credit Card - $370.00 
GAP Credit Card -$200.00
Target Credit Card - $200.00
RevolutionCard Credit Card - $1,000.00
Credit One Bank VISA - $1,100.00
Orchard Bank MasterCard - $800.00
Discover More Card - $3,000
Circuit City Credit Card - $1,000
American Express Starwood Preferred Guest - $1,000.00
American Express Hilton Honors - $2,000
Circuit City Credit Card - $1,000 closed due to no activity in 6 month period
Bank of America Alaska Airlines VISA - $500.00 closed due to too many new accounts

Message Edited by JRInWA on 12-25-2008 12:22 AM
01/07/2009 - | TU=674 | EQ= 700 | EX=705 |
12/26/2008 - | TU=659 | EQ= 700 | EX=692 |
12/09/2008 - | TU=671 | EQ= 732 | EX=704 |
11/15/2008 - | TU=657 | EQ= 699 | EX=695 |
Regular Contributor
Nmbr1ballr
Posts: 134
Registered: ‎05-07-2008
Re: Ok I'm officially done app'ing for the year

JRInWA wrote:

MidnightVoice wrote:

47 is not the correct number of accounts.  What is the correct number, you may ask?

 

The answer is 42

 


Hehe.. ok MV you got me :smileysurprised: I just counted them and I have exactly 42 open revolving accounts so you are absolutely correct!  Since you're checking up on me :smileytongue: I decided to go back and count my closed account as well.  I actually closed 21 not 16 accounts in the past 12 months not including the two that were involuntarily closed highlighted in red:

 

CLOSED ACCOUNTS
Household Bank VISA - $1,355.00
Applied Card Bank VISA - $1,300.00
Juniper Bank US Airways MasterCard - $750.00
First Premier Bank VISA - $625.00
Bank of America  US Airways MasterCard - $500.00
HSBC Discover - $500.00
HSBC MasterCard - $500.00
Capital One MasterCard - $500.00
Capital One MasterCard - $500.00
PayPal Buyer Credit Credit Account - $700.00
Best Buy Credit Card - $500.00
Wal-Mart Credit Card - $370.00 
GAP Credit Card -$200.00
Target Credit Card - $200.00
RevolutionCard Credit Card - $1,000.00
Credit One Bank VISA - $1,100.00
Orchard Bank MasterCard - $800.00
Discover More Card - $3,000
Circuit City Credit Card - $1,000
American Express Starwood Preferred Guest - $1,000.00
American Express Hilton Honors - $2,000
Circuit City Credit Card - $1,000 closed due to no activity in 6 month period
Bank of America Alaska Airlines VISA - $500.00 closed due to too many new accounts

Message Edited by JRInWA on 12-25-2008 12:22 AM

Wow.  And thats your closed account list.  I would be scared to read your open account list. 

Here is my closed account:

 

Amex Clear- closed the day I was approved for it.  (Wasn't happy with the CL, wanted to do a large bt)

Bailey Banks and Biddle Card

Express card

 

My open accounts

Citi Dividend 

BoA Amex

Auto loan

 

 

Score Watch: EQ 767 (6/30/09)
Valued Member
JRInWA
Posts: 26
Registered: ‎04-26-2008
Re: Ok I'm officially done app'ing for the year

Nmbr1ballr wrote:
Why the hell would you have even 42 accounts?  Like honestly, what is the purpose of that?  Hell, I have 2 credit cards, my debit card, and my car loan and thats enough for me.  I don't see the point of going out and getting a ton of cards, but thats just my opinion :smileyindifferent:
Message Edited by Nmbr1ballr on 12-24-2008 03:24 PM

Ya I know.  42 is a ridiculous number!  It's divisible by neither 5 nor 10 :smileymad:  So I'm going for 50 :smileytongue:   Yep... 2010 will be my year to reach that goal.  Then I'm done.  Mmmm.... credit.
01/07/2009 - | TU=674 | EQ= 700 | EX=705 |
12/26/2008 - | TU=659 | EQ= 700 | EX=692 |
12/09/2008 - | TU=671 | EQ= 732 | EX=704 |
11/15/2008 - | TU=657 | EQ= 699 | EX=695 |
Regular Contributor
Nmbr1ballr
Posts: 134
Registered: ‎05-07-2008
Re: Ok I'm officially done app'ing for the year

JRInWA wrote:

Nmbr1ballr wrote:
Why the hell would you have even 42 accounts?  Like honestly, what is the purpose of that?  Hell, I have 2 credit cards, my debit card, and my car loan and thats enough for me.  I don't see the point of going out and getting a ton of cards, but thats just my opinion :smileyindifferent:
Message Edited by Nmbr1ballr on 12-24-2008 03:24 PM

Ya I know.  42 is a ridiculous number!  It's divisible by neither 5 nor 10 :smileymad:  So I'm going for 50 :smileytongue:   Yep... 2010 will be my year to reach that goal.  Then I'm done.  Mmmm.... credit.

But why?  Like can someone please explain it to me so maybe I can understand?  Why is that your goal?  What is it that it will do for you?  What is the difference between having so many cards with low limits for stores or even credit cards vs having 2 or 3 credit cards with high limits you can use anywhere and maybe 1 store card.  I honestly don't see the actual benefit of having them.  I just turned 23 a week ago, and with my limited credit, I have a decent score so I don't think its necessary to have all those unless your reason is outside of your FICO score.

Score Watch: EQ 767 (6/30/09)