topic Re: I'm so done with applying for credit cards in Credit Cards

I'm so done with applying for credit cards

Anonymous — Sun, 06 Jun 2010 19:10:34 GMT

I'm happy with what i have now. In the next 2 or 3 years i would like Chase Freedom an a real Discover but nothing else until then.

Re: I'm so done with applying for credit cards

fused — Sun, 06 Jun 2010 19:20:38 GMT

So, you're really "not" done apping.

Re: I'm so done with applying for credit cards

Anonymous — Sun, 06 Jun 2010 19:34:16 GMT

LMAO no really i am. I know so many of us say that here an in return do it again lol

Re: I'm so done with applying for credit cards

DI — Sun, 06 Jun 2010 19:39:20 GMT

I haven't apped for new credit in 9 months. I have really diciplined myself once I learned new credit affects the AAoA. Good luck with you.

Re: I'm so done with applying for credit cards

Anonymous — Sun, 06 Jun 2010 19:40:58 GMT

Thx

Re: I'm so done with applying for credit cards

fused — Sun, 06 Jun 2010 19:51:08 GMT

I haven't apped since 02/08 and I don't have any plans to do so in the foreseeable future. I've learned how money (debt) and credit works and its a VERY ugly world. Its sad.

Re: I'm so done with applying for credit cards

Anonymous — Sun, 06 Jun 2010 20:13:10 GMT

So agree

Re: I'm so done with applying for credit cards

Anonymous — Mon, 07 Jun 2010 01:53:58 GMT

I have not applied for Credit since Feb 2001 (and that was not for a Credit Card but to join a Country Club) and things have been fine.

Never asked for a CLI and still am beseiged with offers from people for credit.

It's really a state of mind and once I realized if I just did things NORMALLY, (pay my bills when due, not over extend, not needlessly apply for Credit ) and basically quit trying to micromanage it, things have never been better.

When I've had an issue I called and got great customer service from banks that peole vilify on here. Sometimes it just makes me feel that it is far more the attitude of the person going in that causes the results of the encounter.

Hope everyone reaches all their Credit goals and NO, I have never checked my credit score, could not tell you what it is.

Re: I'm so done with applying for credit cards

score_building — Mon, 07 Jun 2010 14:12:12 GMT

@Anonymous wrote:
I have not applied for Credit since Feb 2001 (and that was not for a Credit Card but to join a Country Club) and things have been fine.

Never asked for a CLI and still am beseiged with offers from people for credit.

It's really a state of mind and once I realized if I just did things NORMALLY, (pay my bills when due, not over extend, not needlessly apply for Credit ) and basically quit trying to micromanage it, things have never been better.

When I've had an issue I called and got great customer service from banks that peole vilify on here. Sometimes it just makes me feel that it is far more the attitude of the person going in that causes the results of the encounter.

Hope everyone reaches all their Credit goals and NO, I have never checked my credit score, could not tell you what it is.:smileyhappy
__________________________________________________________________________
I am happy to hear you've had only great cs experiences and I don't doubt it. However, while it's common knowledge that rude or abrasive attempts get treated differently sometimes by cs... just because 99.5% of my experiences have been fine, doesn't necessarily mean that the thousands upon thousands who lodge complaints about poor service are simply too incompetent or what say you to make a polite inquiry with a ccc.

Re: I'm so done with applying for credit cards

joestay — Mon, 07 Jun 2010 03:48:52 GMT

I'm done applying for new credit card. I have 2 right now and that's enough for me. All I need is to get a credit limit increase on what I currently have. I only 1 inquiry on my EX report and 0 on EQ.

Re: I'm so done with applying for credit cards

Anonymous — Mon, 07 Jun 2010 05:56:36 GMT

Chase freedom is no more what it used to be.Their rewards program has changed and is no more the top rewards card out there.

Discover? I heard that Chase rewards program is somewhat like discover's rewards program. (I don't have discover) and people dont like it.

Well,

Last I applied was couple of months back for Chase Amazon rewards card coz I shop at amazon a lot.

Re: I'm so done with applying for credit cards

Anonymous — Mon, 07 Jun 2010 14:59:02 GMT

@score_building wrote:

@Anonymous wrote:
I have not applied for Credit since Feb 2001 (and that was not for a Credit Card but to join a Country Club) and things have been fine.

Never asked for a CLI and still am beseiged with offers from people for credit.

It's really a state of mind and once I realized if I just did things NORMALLY, (pay my bills when due, not over extend, not needlessly apply for Credit ) and basically quit trying to micromanage it, things have never been better.

When I've had an issue I called and got great customer service from banks that peole vilify on here. Sometimes it just makes me feel that it is far more the attitude of the person going in that causes the results of the encounter.

Hope everyone reaches all their Credit goals and NO, I have never checked my credit score, could not tell you what it is.:smileyhappy
__________________________________________________________________________
I am happy to hear you've had only great cs experiences and I don't doubt it. However, while it's common knowledge that rude or abrasive attempts get treated differently sometimes by cs... just because 99.5% of my experiences have been fine, doesn't necessarily mean that the thousands upon thousands who lodge complaints about poor service are simply too incompetent or what say you to make a polite inquiry with a ccc.

OH I AGREE. I'm sure that many times people make perfectly fine inquiries to representatives and get terrible service. I do hope in cases like that they go up the ladder to other people. It is only natural that people are going to usually respond in a fashion they are approached with.

Thats a lesson I learned MANY YEARS AGO when dealing with the public and making credit decisions. We had a huge plaque in our employee office that said, "Granting credit to a person who is rude and an ass , BUT is responible , is a much smarter business decision then granting it to a wonderful person who doesnt pay their bills". I have always remembered that.

Re: I'm so done with applying for credit cards

haulingthescoreup — Mon, 07 Jun 2010 16:10:31 GMT

Congrats, mjbfan! You've really turned your credit profile around since you've been here. Nice job!

(And really, who the heck knows where rewards cards are heading? I wouldn't want to app for anything now, even if I needed it, because I have very little faith in the rewards structure not changing 3 times during the application process. )

Re: I'm so done with applying for credit cards

Anonymous — Mon, 07 Jun 2010 21:13:54 GMT

I haven't apped since 1/08. Have 5 cards including one CU That's enough for me.

I do however play around with apping; like punching in a pre-approval number.

Oh and I can't forget Verizon who does a hard pull and does nothing to help

your credit.