topic Re: JCP Approval, but it is bittersweet in Credit Card Approvals

JCP Approval, but it is bittersweet

Anonymous — Sat, 04 Jul 2015 07:01:19 GMT

I got a pre-approval in the mail the other day, so I decided to go for it. My DW has one, so why shouldn't I, was my motive. Now I feel it was a bone headed move. Sure I got the $1400 SL, but I also got a HP on TU, making me have 18 hard pulls now. I'm kicking myself a bit here. I'm sure I'm not the only one who's done such a thing and I won't be the last. lol

Re: JCP Approval, but it is bittersweet

Anonymous — Sat, 04 Jul 2015 08:27:14 GMT

Congrats on your approval! While it really is indeed bittersweet, I suggest you look at the bright side - you have a new good card! My dad has it and he and my mom loves it! They really shop a lot at JCP (mostly for gifts to be sent overseas) so they get a lot of coupons and rewards from them!

Now go lock yourself up in the garden!

Re: JCP Approval, but it is bittersweet

SunriseEarth — Sat, 04 Jul 2015 09:41:15 GMT

@Anonymous wrote:
I got a pre-approval in the mail the other day, so I decided to go for it. My DW has one, so why shouldn't I, was my motive. Now I feel it was a bone headed move. Sure I got the $1400 SL, but I also got a HP on TU, making me have 18 hard pulls now. I'm kicking myself a bit here. I'm sure I'm not the only one who's done such a thing and I won't be the last. lol

Congrats on approval! You should consider gardening for a year to let all HPs fall off scoring (or at least don't take any more HPs on TU for that time period).

Re: JCP Approval, but it is bittersweet

Anonymous — Sun, 05 Jul 2015 02:02:27 GMT

Oh well at least it will help your utilization.