topic Re: Why is it so hard to refrain? in Credit Cards

Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 20:40:02 GMT

From apping?!?!?!?!

Re: Why is it so hard to refrain?

WhiteCollar — Mon, 29 Oct 2012 20:48:09 GMT

Although full of beneficial information, this forum makes it harder to refrain from apping. Its a gift and a curse.

Re: Why is it so hard to refrain?

iCoop — Mon, 29 Oct 2012 20:50:53 GMT

@WhiteCollar wrote:
Although full of beneficial information, this forum makes it harder to refrain from apping. Its a gift and a curse.

Re: Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 20:51:13 GMT

LoL! I totally agree!!!!!!!!!!!!!!!!!!!!!!! I wanna go crazy!! But, alas, it would just bite me in the booty!

Re: Why is it so hard to refrain?

sakhalin070 — Mon, 29 Oct 2012 20:51:33 GMT

Couldn't have said it better myself. lol

Re: Why is it so hard to refrain?

iCoop — Mon, 29 Oct 2012 20:56:27 GMT

@Anonymous wrote:
LoL! I totally agree!!!!!!!!!!!!!!!!!!!!!!! I wanna go crazy!! But, alas, it would just bite me in the booty!

Me too... I want an AmEx or a CLI on my Discover but I am holding off in order to be approved for a card from PenFed. They opened my checking, savings, and auto loan but denied my credit card app. So I figured I would wait 6 months to a year before re-apping.

Re: Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 21:02:00 GMT

I think hearing everyone's approval for certain cards makes me anxious as well. I got the two I wanted so I'll be staying away from the apps for quite some time. It's CLIs from here on out!! Well, until my INQs drop to a reasonable level.

Re: Why is it so hard to refrain?

jsucool76 — Mon, 29 Oct 2012 21:50:04 GMT

I love hearing about people getting approved for cards, but it kills me inside. I sit here and read every thread and go "ME WANT!!!"

Re: Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 21:56:54 GMT

Because we love the new plastic!

Re: Why is it so hard to refrain?

maiden_girl — Mon, 29 Oct 2012 22:15:17 GMT

@Anonymous wrote:
Because we love the new plastic!

I always look at my new cards for about a week before I begin using them...and I get a little sad when it gets swiped and it gets those "marks"...lol

Re: Why is it so hard to refrain?

wreith — Mon, 29 Oct 2012 22:51:37 GMT

@maiden_girl wrote:
@Anonymous wrote:
Because we love the new plastic!
+1
I always look at my new cards for about a week before I begin using them...and I get a little sad when it gets swiped and it gets those "marks"...lol

+1 They need to make cards that will keep that just out of the envelope look.

Re: Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 23:29:50 GMT

Eeeeeeeek!!! I'm excited to get mine in the mail!!!

Re: Why is it so hard to refrain?

distantarray — Mon, 29 Oct 2012 23:38:52 GMT

@Anonymous wrote:
Fapping?!?!?!?!

fixed

Re: Why is it so hard to refrain?

CreditEd — Mon, 29 Oct 2012 23:46:08 GMT

You've got to get your scores to the point where you see the diminishing return for another card. When the inquiries reach double digits and the next approval gives you less of a CL than the previous one, then you know it's time...

At that point you can begin to calculate your realistic changes of getting the better card that you really want. You'll come to understand that adding another 30-50 points to your score will put you into an entirely new level of cards. You'll see the advantages of "refraining" then.

Re: Why is it so hard to refrain?

frugalQ — Mon, 29 Oct 2012 23:49:12 GMT

Whenever I get the itch to app, I walk to my refrigerator and look at the picture of my dream house that I've taped on the door. Then, I come to this forum and read all of the approval threads. I guess I live vicariously through this forum. Lol

Re: Why is it so hard to refrain?

distantarray — Mon, 29 Oct 2012 23:52:05 GMT

Remember credit is a calulated level of trust between a issuer and a borrower, don't betray it cause if you do it'll betray you in the end.

Re: Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 23:53:20 GMT

Bahahahahahahaha!!!! Thank you! LOL!

Re: Why is it so hard to refrain?

Anonymous — Mon, 29 Oct 2012 23:53:46 GMT

@wreith wrote:
@maiden_girl wrote:
@Anonymous wrote:
Because we love the new plastic!
+1
I always look at my new cards for about a week before I begin using them...and I get a little sad when it gets swiped and it gets those "marks"...lol

+1 They need to make cards that will keep that just out of the envelope look.

I call and request new cards once a year... tell 'em the magnetic strip is worn down (which is mostly true) and they send me a new card.

Re: Why is it so hard to refrain?

distantarray — Mon, 29 Oct 2012 23:57:31 GMT

Re: Why is it so hard to refrain?

calihlove75 — Mon, 29 Oct 2012 23:57:26 GMT

I know, I know! I want to app for Discover and Amex so bad and I know it's too soo. I have been app free since September. I added my 18 year old son as an authorized user to one of my cards last month so he would have history. Last night he applied for and was approved for his first credit cards, a $400 walmart and $500 cap 1 rewards. I am living through him now!!!!!!!!