topic Re: anyone else get nervous? in Credit Cards

anyone else get nervous?

Skye12329 — Wed, 11 Feb 2015 06:25:04 GMT

Anyone else get nervous when applying for a card? Like to me the swirling/loading screen is like the death of me. I guess it would be comparable to a pregnancy test

Like even if I'm confident I will get approved i always get an andrenline rush just filling out the app and then when I hit submit I always expect a denial. Always end up being shocked when it says approved. But I mean the 90 seconds is like the longest 90 seconds ever. I always close my eyes.

What about you all?

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 06:26:04 GMT

Only with certain lenders...

Re: anyone else get nervous?

lord_kinbote — Wed, 11 Feb 2015 06:32:50 GMT

I concur, its an adrenaline rush - more so with what the credit limit is going to be. On my last app, when I received a 22k starting limit, I know that feeling must be comparable to doing heroin for the first time. Pure speculation, but it has to be close

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 06:33:59 GMT

It's actually a thrill for me. As an avid gambler, it's the same thrill I get when I'm playing Blackjack and I double down on 11. I don't know what's going to happen but boy is it fun when the card is being turned over.

Re: anyone else get nervous?

wmweeza — Wed, 11 Feb 2015 06:39:19 GMT

When I applied for AMEX I closed my eyes and plugged my ears, then slowly opened my eyes to a squint so I could see if it was done...lol. Since then? Sure I get a bit nervous, but I haven't applied for a card I wanted that bad since

Re: anyone else get nervous?

Habibimo — Wed, 11 Feb 2015 06:46:40 GMT

YESSS!!!!!!

Fear of getting denied gets me nervous , But if its an approval then theres that excitement

I really want 2 more cards (NFCU, and probably another amex OR SM), I want, not need. I periodically check the pre qual sites, fill up the applications, get nervous, and then just let it go hahaha.

I have applied for 5 Cards within 1 month I believe, and Amex ED was the only one that got denied, rest were approved. So I really have to chain myself in the garden.

Anytime someone makes a thread of their approval, it makes me wanna do it LOL..

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 07:16:55 GMT

I learned to expect denial rather than approval. That way if I do get denied, there isn't much disappointment, but if I do get approved, then "holy effing scheisse! I got approved!!!"

Re: anyone else get nervous?

lg8302ch — Wed, 11 Feb 2015 07:29:38 GMT

YES YES YES... and the reason is that after the 60 seconds I always get the 7-10 days review message and then need a lot of patience until the systems will give me a status update. So far I was lucky and all of these apps ended in approvals The only instant approval I ever had was the Sallie Mae and since then I always had hopes it could happen again...but no chance !

Re: anyone else get nervous?

Kostya1992 — Wed, 11 Feb 2015 08:40:27 GMT

Nope. Got all the cards I need/want. I'd much rather get declined than approved with a high APR and a toy limit.

Re: anyone else get nervous?

chwebb1 — Wed, 11 Feb 2015 10:17:35 GMT

I thought I was the only person! I always hesitate to hit the "Submit Application"/"Apply Now"/"Submit" button too! It's so bad that the application sometimes completely times out too! But that "Processing Your Application" screen is the most stressful screen ever! I think that each credit card application that I've done has aged me by like 5 years from the stress of doing it (but it's great to help you stay in the garden )!

Re: anyone else get nervous?

jsucool76 — Wed, 11 Feb 2015 11:07:43 GMT

I always mouse over the submit button and then go "oh let's check to make sure all the info is correct."

Then I hit submit and my heart stops for a min. If I see approved I'm all #PartyLikeIt's1999

If I see denied/" further review" I'm all "Oh! I'm calling you right now..."

And then I get approved

And then I party like it's 1999

Re: anyone else get nervous?

wacdenney — Wed, 11 Feb 2015 12:16:01 GMT

@jsucool76 wrote:
I always mouse over the submit button and then go "oh let's check to make sure all the info is correct."

Then I hit submit and my heart stops for a min. If I see approved I'm all #PartyLikeIt's1999

If I see denied/" further review" I'm all "Oh! I'm calling you right now..."

And then I get approved

And then I party like it's 1999

I always have the recon number handy before I hit submit!

Re: anyone else get nervous?

chalupaman — Wed, 11 Feb 2015 12:43:49 GMT

My God. This is me all the time when I do these card apps. I think it's that uncertainty that's always there even if my scores and credit check out of what could possibly happen or whether I'll get the limit I was hoping for. I'm just glad I'm getting decent starting limits most of the time now if I do get approved for something.

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 13:23:00 GMT

Not I. If I'm denied, I just shrug it off, because there's always a next time, and quite honestly there's always a "better" card around the corner.

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 13:43:48 GMT

@akula wrote:
I concur, its an adrenaline rush - more so with what the credit limit is going to be. On my last app, when I received a 22k starting limit, I know that feeling must be comparable to doing heroin for the first time. Pure speculation, but it has to be close

Right, but that advantage of heroin is that it doesn't impact your credit score (at least at first). So, those here into micromanaging FICO, next time you feel the urge to app, go to your local dealer instead!

Re: anyone else get nervous?

CreditCuriosity — Wed, 11 Feb 2015 13:48:00 GMT

@Anonymous wrote:
@akula wrote:
I concur, its an adrenaline rush - more so with what the credit limit is going to be. On my last app, when I received a 22k starting limit, I know that feeling must be comparable to doing heroin for the first time. Pure speculation, but it has to be close
Right, but that advantage of heroin is that it doesn't impact your credit score (at least at first). So, those here into micromanaging FICO, next time you feel the urge to app, go to your local dealer instead!

Then you might have to do a cash advance... Bad idea

Re: anyone else get nervous?

TiggerDat — Wed, 11 Feb 2015 13:58:34 GMT

I think it is normal to get a little anxious about it. I usually just assume now that I will get approved. The last time I did not get approved was for my Elan card, but I also knew that I might be borderline for them. I got the 7-10 day message and just needed to verify income. After that I got the card, but not that great of a limit. It is however a higher limit than my Household/HSBC converted to Capital One card which I have had for 3.5 years! I imagine it will grow faster than that card!

I have been gardening for about nine months now, so I haven't had the feeling in a while. I think I will not know that feeling for at least another 3-15 months. I really do have all the cards I could want and need. I can't really think of any other rewards cards that I could need and get. The ones which I might want I can't get. US Cash +, since I don't live in their area and therefore can't go in to a branch and apply. Huntington Voice, also don't live in their service area, I have four bank accounts in their service area because I used to live there, but until I go back there I can't app. Oh well. I will just have to wait until some better cards are developed.

Re: anyone else get nervous?

takeshi74 — Wed, 11 Feb 2015 14:22:15 GMT

@Skye12329 wrote:
Anyone else get nervous when applying for a card?

Not since finishing up my work on rebuilding a couple of years ago.

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 14:33:31 GMT

@takeshi74 wrote:
@Skye12329 wrote:
Anyone else get nervous when applying for a card?
Not since finishing up my work on rebuilding a couple of years ago.

See, it does get better everyday........

Re: anyone else get nervous?

Anonymous — Wed, 11 Feb 2015 18:57:05 GMT

Pretty much. Not a huge rush, more like the one I would get on a blackjack hand.

I mentioned to my wife that it was like gambling but didn't cost me anything ( other than getting killed if I ever started running them up.... )