Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.
Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.
The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!
That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.
Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
AZHeather wrote:Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.
Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.
The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!
That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.
Now thats deep!!! 
AZHeather wrote:Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.
Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.
The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!
That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.
Lol! OMG!! Boy, did you ever nail that!! 
The only cure is denial, but alas, even that is temporary. Good luck gardening. 
adavis425 wrote:
AZHeather wrote:Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.
Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.
The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!
That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.
Lol! OMG!! Boy, did you ever nail that!!
" The CC Monologues"
Get a director on this!!!!
AZHeather wrote:Hi, my name is AZHeather and I am an appoholic. I have been app free for 129 days. My app of choice is currently Amex.
Several times a week I log on to Amex, enter my info, and hover over the submit button. Then I reason with myself, picture my FICO scores, and close the window. I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!" Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet. That’s the high.
The low is waking up the next morning with an inquiry! Oh that ugly inquiry that drives your FICO scores down. And heaven forbid the inquiry is for not - the denial. Yes, I said it - the denial! The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!” The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report. The shame!!
That thought is what makes me close the window; not click the submit button. Not yet. Not now. I am not ready. I know this. One year app free, that is my goal. I will achieve it with a little help from my fellow appoholics.
LOL, I am glad I am not the only one going through page 3 of the application and not submitting. I save and get the reminder email to finish the application until it expires and do it all over again. March 2013, March 2013.
Congrats on staying 'clean'. You can do it!!!
100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
My new car is in the shop (thanks to temporary high utilization) and I hope to have it running for the early summer season. If I'm able to fight off my drapping I hope to one day race jets with other FICO high flyers!
Duncanrr wrote:
Hello. My name is Duncan and its been almost a month since my last drapping (drunk apping). I had a close scare and nearly crashed my FICO score into a wall of denial. I was able to pull out if the slide before crashing into the wall (successful recon).
My new car is in the shop (thanks to temporary high utilization) and I hope to have it running for the early summer season. If I'm able to fight off my drapping I hope to one day race jets with other FICO high flyers!
this kind of works both ways for you duncanrr.
i cant decide if the car is a metaphor or not though lol.
I don't drink n drive. That's just stupid.
