topic Re: Why did I app for that?!?!? in Credit Card Applications

Why did I app for that?!?!?

Anonymous — Tue, 21 Feb 2017 00:24:34 GMT

So my mom was in Kroger a week ago and was approached to apply for the Kroger 123 Rewards credit card. She did apply, and was told she would receive a decision in the mail. She got her denial today and feels terrible and wishes she had held off until she asked who the card was underwritten by, looked up minimum scores for acceptance, etc. So in the spirit of not making her feel as if she is the only one who has ever made a rash decision in applying and lived to regret it.... I will ask if you have ever had a, Why the heck did I just app for that?!?!? Moment. She is feeling pretty down in herself at the moment.

Re: Why did I app for that?!?!?

creditguy — Tue, 21 Feb 2017 00:30:01 GMT

I'm sure most of us have been there and done that. It's a temporary bad feeling and she will move on. It's life, and rejection happens, but so does acceptance and acceptance will happen when the time is right. At least all she lost was an Inquiry. It's just a credit card and life is too short to live with that kind of regret. Tell mom to cheer up, she's in good company and the sun will rise tomorrow.

Re: Why did I app for that?!?!?

woodyman100 — Tue, 21 Feb 2017 00:59:56 GMT

@Anonymous wrote:
So my mom was in Kroger a week ago and was approached to apply for the Kroger 123 Rewards credit card. She did apply, and was told she would receive a decision in the mail. She got her denial today and feels terrible and wishes she had held off until she asked who the card was underwritten by, looked up minimum scores for acceptance, etc. So in the spirit of not making her feel as if she is the only one who has ever made a rash decision in applying and lived to regret it.... I will ask if you have ever had a, Why the heck did I just app for that?!?!? Moment. She is feeling pretty down in herself at the moment.

I have done this on numerous credit cards AND a marriage license

Re: Why did I app for that?!?!?

creditguy — Tue, 21 Feb 2017 01:03:04 GMT

@woodyman100 wrote:
@Anonymous wrote:
So my mom was in Kroger a week ago and was approached to apply for the Kroger 123 Rewards credit card. She did apply, and was told she would receive a decision in the mail. She got her denial today and feels terrible and wishes she had held off until she asked who the card was underwritten by, looked up minimum scores for acceptance, etc. So in the spirit of not making her feel as if she is the only one who has ever made a rash decision in applying and lived to regret it.... I will ask if you have ever had a, Why the heck did I just app for that?!?!? Moment. She is feeling pretty down in herself at the moment.
I have done this on numerous credit cards AND a marriage license

That's a good one

Re: Why did I app for that?!?!?

Loquat — Tue, 21 Feb 2017 01:06:48 GMT

@woodyman100 wrote:
@Anonymous wrote:
So my mom was in Kroger a week ago and was approached to apply for the Kroger 123 Rewards credit card. She did apply, and was told she would receive a decision in the mail. She got her denial today and feels terrible and wishes she had held off until she asked who the card was underwritten by, looked up minimum scores for acceptance, etc. So in the spirit of not making her feel as if she is the only one who has ever made a rash decision in applying and lived to regret it.... I will ask if you have ever had a, Why the heck did I just app for that?!?!? Moment. She is feeling pretty down in herself at the moment.
I have done this on numerous credit cards AND a marriage license

LOL! This made me giggle...and I certainly needed that this evening.

Re: Why did I app for that?!?!?

Loquat — Tue, 21 Feb 2017 01:12:07 GMT

As mentioned, I'm sure a lot of us here have experienced such feeling. The one that sticks out the most to me was my Old Navy card. Before joining this forum and learning a lot, I app'd for this card thinking I would get the Visa version. Welp...ended up with the store card and the only thing I can wear from Old Navy at the time was socks LOL...they didn't sell a dang thing at the time in my size. Years ago I was really big boy...now some years later and down to 134 pounds from my scale topping 281, I can finally fit into some of the things they sell. Unfortunately I no longer have any interest in anything they sell...and the card has long since been closed. Tell your mom not to feel bad...we've all been there, done that, and some of us at some point will probably do it again.

Re: Why did I app for that?!?!?

Anonymous — Tue, 21 Feb 2017 01:19:01 GMT

@woodyman100 wrote:
@Anonymous wrote:
So my mom was in Kroger a week ago and was approached to apply for the Kroger 123 Rewards credit card. She did apply, and was told she would receive a decision in the mail. She got her denial today and feels terrible and wishes she had held off until she asked who the card was underwritten by, looked up minimum scores for acceptance, etc. So in the spirit of not making her feel as if she is the only one who has ever made a rash decision in applying and lived to regret it.... I will ask if you have ever had a, Why the heck did I just app for that?!?!? Moment. She is feeling pretty down in herself at the moment.
I have done this on numerous credit cards AND a marriage license

Hahaha....good stuff.

Re: Why did I app for that?!?!?

Anonymous — Tue, 21 Feb 2017 01:22:50 GMT

I applied for a Spirit World MasterCard today. Nuff said. I did resist the temptation to accept the preapproval for a Sam's card at the register the other day so there's there's that. It happens. I don't know what else to say. 😁

Re: Why did I app for that?!?!?

CreditInspired — Tue, 21 Feb 2017 02:17:33 GMT

Too funny Woodyman. Made my evening 😂

Re: Why did I app for that?!?!?

AverageJoesCredit — Tue, 21 Feb 2017 02:14:08 GMT

Sunglass Hut , Synchrony Bank , 30% APR cant even use on their OWN website!!..

Mic dropped...HUGS to Mom

Re: Why did I app for that?!?!?

Aduke1122 — Tue, 21 Feb 2017 18:46:58 GMT

Omg these replies are great ..of course almost all of us who play this credit game have these moments . I have a Comenity card that I will absolutely never use and I'm like why the heck did I do that 😁

Re: Why did I app for that?!?!?

Anonymous — Tue, 21 Feb 2017 19:23:40 GMT

These replies are great!!! My mother is from the old school of "why do I need credit if I can just save and buy it?". Well, my father passed unexpectedly and left her with a bunch of debt even with life insurance. She has risen from the ashes and was really proud of herself as she has a Capital one (secured) and Chase Freedom card. She just had a momentary lapse in judgement and now a hard pull for nothing. But, thanks to the marriage license comment, and the sunglasses hut card... the sun still rose this morning and she feels a bit better. Thanks all!

Re: Why did I app for that?!?!?

precision — Wed, 22 Feb 2017 02:47:39 GMT

At the beginning of January I apped for AMZ Sync. I apped because I had just lost the 5% quarterly on my Discover and still wanted 5% at AMZ.

5 days later AMZ Chase changed from 3% to 5% for Prime members.

I was approved for both but I really wish I could take back the Sync app and Inq.

Re: Why did I app for that?!?!?

minski — Wed, 22 Feb 2017 05:56:12 GMT

Best Buy.

Cashier said it was SP. She had no clue. It was HP.

I was expecting the Visa/MC. I ended up with the Store Card.

I closed it a year later.

Paypal by Comenity. Hidden tradeline!

I have no use for it since I rarely shop at the places that accept Paypal, and I quickly wondered why I'd applied for it... I'm letting Comenity close it from disuse whenever they get to it.

Barclay Ring. I wanted a low APR (under 10%) and no FTF card, and I got it. But I like rewards better so I rarely use it. I like the idea of the card. I just don't need it since I PIF and have recently gotten a PenFed and NavyFed card which also have no FTF. It's going in the SD and I'll likely let Barclay close it from disuse.

Re: Why did I app for that?!?!?

Anonymous — Wed, 22 Feb 2017 06:02:22 GMT

No judgement here 😂

Great replies!

Re: Why did I app for that?!?!?

Anonymous — Wed, 22 Feb 2017 06:25:40 GMT

And a marriage license? Lol! I'm cracking up!

Re: Why did I app for that?!?!?

MyLoFICO — Wed, 22 Feb 2017 18:37:25 GMT

I have cards I got approved for that I did the same thing with, but they are atleast affecting my credit positively. I also have 2 marriage licenses, and 2 divorced decrees. The moral of the story? I must like making mistakes. I am an idiot. Not sure where I was going with that but I guess I got there in the end.

Re: Why did I app for that?!?!?

MrsCHX — Wed, 22 Feb 2017 22:01:03 GMT

I got a SCT pop up on Overstock looking for a rug. I hated that I didn't know the starting limit before going through. Should've closed out. Some reason I thought Comenity pulled TU and it was 697 so I was confident.

But I don't even shop OS. I've never bought anything there. I always look and then end up finding similar cheaper somewhere else.

They gave me a $250 starting limit. Asked for CLI on set-up...denied. Every time I review my report I am angry at that trade line

And Kohl's. I don't even like Kohl's. I hope to get my 6-month CLI to $700 (or whatever) and plan to close it soon after.

Re: Why did I app for that?!?!?

woodyman100 — Thu, 23 Feb 2017 00:22:28 GMT

@AverageJoesCredit wrote:
Sunglass Hut , Synchrony Bank , 30% APR cant even use on their OWN website!!..

Mic dropped...HUGS to Mom

Hahahaha! Mic drop! Priceless!

Re: Why did I app for that?!?!?

Anonymous — Thu, 23 Feb 2017 01:08:20 GMT

I applied for 1 store card that I didn't end up using. Stupid! Wasn't thinking I guess. Did that a few months ago...I'll probably even close it soon. For now it's giving me a utilization boost I guess. I stay away from store cards too. Some interesting responses here.