topic Re: OCD takes charge...... in Credit Cards

OCD takes charge......

Anonymous — Thu, 09 Jul 2015 01:16:17 GMT

So recently I've done my first every app spree. I got some great great cards, Venture, Quick Silver, Freedom, IT, and Credit Care. The issue is i'm 800 shy of 30k. Why dose it matter? OCD that's why. Some nutty place in my head I feel the need for a nice round number. Any suggestions? I'm not dead set on apping for anything in fact I'm trying to talk my self out of but OCD sucks. Anyway it will be a sock drawer card that will only see the light of day once a month for dinner or something small. Never carry a balance or anything. Barclays is out when I started my Journey in January they denied me and told me not to reapply until at least next year. Amex pre approves me for only charge cards. I don't mind a store branded or airline branded visa or MasterCard.

Would I be better off getting in with a credit union like DCU or PenFed.? I read Penfed will the same pull for 3 months for all products they offer which might be nice since I plan to buy a car in October..

Again I'm not dead set on anything considering options.

Re: OCD takes charge......

SOGGIE — Thu, 09 Jul 2015 01:16:34 GMT

Congrats! Have you considered requesting a CLI to fill in that $800 gap?

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 01:21:31 GMT

All my accounts are to new I think except my first ever card, My Cap 1 Journey which has been a constant battle at getting a CLI. They hate to give me a CLI on that but trust me with a Venture. Go Figure. I keep trying for the Virgin Air card via the SCT as I actually fly alot with them but can;t get the pop up.

Re: OCD takes charge......

SOGGIE — Thu, 09 Jul 2015 01:25:15 GMT

If if approved for a new card, the new limit coupled with your existing limits will most likely yield an odd figure. Enjoy your new limits!

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 01:27:01 GMT

@SOGGIE wrote:
If if approved for a new card, the new limit coupled with your existing limits will most likely yield an odd figure. Enjoy your new limits!

That's exactly what I was gonna say

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 03:07:10 GMT

Well... I have seen a lot of Amazon Store Cards (not chase visa) with limits at $800 or $850. The great thing would be the potential CLI's you would get later on. I went from 800 in april to 7000 in june. That way, you'd hit 30k now, then in a few months to a CLI with some others and be at 40!

Your scores look fine for synchrony. The year round 5 percent CB OR indefinite 0 interest for 6/12/24 months on purchases above 149 is a nice feature too.

What limit did the almighty synch give you with Care Credit, and did you request a CLI at activation?

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 06:54:02 GMT

Thanks.... I'lll mull it over the next few days and figure out what I really want.

I only asked for 3200 but they approved me for 4200. Probley could have asked for more but I did not want to press my luck.

"What limit did the almighty synch give you with Care Credit, and did you request a CLI at activation?"

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 07:01:52 GMT

Congrats on your success! You can keep trying for the SCT trick. I hear some do this many, many times before they see a pop-up. I will feel the same way after my Amex 3xcli. I have an odd number now. I can feel your pain. You're doing a great job!

Re: OCD takes charge......

takeshi74 — Thu, 09 Jul 2015 14:15:53 GMT

@Anonymous wrote:
OCD that's why.

Tha'ts not OCD. It is an obsession but not OCD.

@Anonymous wrote:
Would I be better off getting in with a credit union like DCU or PenFed.?

Probably not with PenFed if you just came off an app spree. Search on pyramiding.

@SOGGIE wrote:
If if approved for a new card, the new limit coupled with your existing limits will most likely yield an odd figure.

This.

OP can also request a CLD to get to a round number.

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 14:20:23 GMT

The SCT works for me at Sportsman's Guide. I use Google chrome for it and I make sure that the history is empty. I go in there and put 1 item and the membership into the cart, then check out as a guest. I enter my info exactly as it is on my credit report and when I click continue the payment screen pops up along with the preapproval. I have not gone any further than that, just wanted to see if it would work. Some posters have said that Visa/MC Comenity Bank can either be a SP or HP. As I haven't followed through on getting the card, I don't know. But this is how I get the preapproval to pop up.

Re: OCD takes charge......

kdm31091 — Thu, 09 Jul 2015 14:23:18 GMT

I know people are making light of this but its a bit disturbing and speaks to obsession. Not to mention being a total first world problem haha.

Be happy to have what you've been given. Applying for crap you dont want or need to achieve some arbitrary total limit is silly. Step back and think about it IMO.

You're free to do what you want but you should address the addiction IMO. Take up a hobby outside of cards. For anything to consume you like that is not a good thing at all.

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 14:33:48 GMT

@kdm31091 wrote:
I know people are making light of this but its a bit disturbing and speaks to obsession. Not to mention being a total first world problem haha.

Be happy to have what you've been given. Applying for crap you dont want or need to achieve some arbitrary total limit is silly. Step back and think about it IMO.

You're free to do what you want but you should address the addiction IMO. Take up a hobby outside of cards. For anything to consume you like that is not a good thing at all.

There is a difference about being OCD and obsession. I say this because I'm the same way. I hate that my Discover CL is not an even number. I have a Barclay Ring that was at $500 CL because I had moved the rest to their reward card. Then when I got Sallie Mae and was closing down the reward card, instead of putting all the CL from the reward card onto Sallie, I put $500 on the Ring to make it an even $1k CL.

O.P. - good luck with the $800 to get to an even number. I know what you're talking about!

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 16:14:28 GMT

@Anonymous wrote:
@kdm31091 wrote:
I know people are making light of this but its a bit disturbing and speaks to obsession. Not to mention being a total first world problem haha.

Be happy to have what you've been given. Applying for crap you dont want or need to achieve some arbitrary total limit is silly. Step back and think about it IMO.

You're free to do what you want but you should address the addiction IMO. Take up a hobby outside of cards. For anything to consume you like that is not a good thing at all.
There is a difference about being OCD and obsession. I say this because I'm the same way. I hate that my Discover CL is not an even number. I have a Barclay Ring that was at $500 CL because I had moved the rest to their reward card. Then when I got Sallie Mae and was closing down the reward card, instead of putting all the CL from the reward card onto Sallie, I put $500 on the Ring to make it an even $1k CL.

O.P. - good luck with the $800 to get to an even number. I know what you're talking about!

OCD = Obsessive Compulsive Disorder, which is in line with obsession.

If it were me I wouldn't worry about having an even CL on any of my cards, if you're that worried about it you probably shouldn't have credit to begin with.

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 18:39:01 GMT

Don't get a Sam's Club from reading on here no one has an even number credit limit with that thing

Re: OCD takes charge......

msbia — Thu, 09 Jul 2015 18:56:36 GMT

@Anonymous wrote:
Don't get a Sam's Club from reading on here no one has an even number credit limit with that thing

Lol. Yeah I started with $437....it drove me nuts for about 9 months, then I got a CLI to $8k. Instant relief.

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 20:32:32 GMT

Have some kids, the ocd insta cure

Re: OCD takes charge......

Anonymous — Thu, 09 Jul 2015 21:43:51 GMT

Definitely not an obsession. I have many obsessions, traveling, sailing, cars, education, but credit is not one of them. I just like all numbers to be even in all aspects of my life. I just got an offer Jet Blue offer Via snail mail to apply so I may, still taking a little time to do more research prior. I like everything to be very thought out before I make any decisions. I'm not super concerned because after I hit the 30k mark I'll garden for 18 months other then an auto loan from local credit union.

Re: OCD takes charge......

Kellan — Fri, 10 Jul 2015 04:32:40 GMT

@SOGGIE wrote:
Congrats! Have you considered requesting a CLI to fill in that $800 gap?

I would do a crazy thing. I would send an EO email to capOne. When they get back to you be honest. Tell them the 800 is bothering you and you were just wondering on the off chance the kind person could raise your limit by 800. It is such a small request and CapOne EO seems to be staffed by real people.I am guessing the nice person might giggle a bit but as long as there is nothing crazy in your profile I think for 800 they will do it.

Re: OCD takes charge......

kdm31091 — Fri, 10 Jul 2015 10:36:35 GMT

@Kellan wrote:
@SOGGIE wrote:
Congrats! Have you considered requesting a CLI to fill in that $800 gap?
I would do a crazy thing. I would send an EO email to capOne. When they get back to you be honest. Tell them the 800 is bothering you and you were just wondering on the off chance the kind person could raise your limit by 800. It is such a small request and CapOne EO seems to be staffed by real people.I am guessing the nice person might giggle a bit but as long as there is nothing crazy in your profile I think for 800 they will do it.

Are we trying to get the email shutdown, too?

I mean seriously....emailing the EO about an 800 CLI is not an EO type of request. Please. Stop it. lol