topic Re: The dreaded Drapping or regular app-itch in Credit Cards

The dreaded Drapping or regular app-itch

RyVision — Sun, 10 Mar 2013 09:05:55 GMT

I've noticed lately a lot of people dealing with app-itch.

Points to remember. Do NOT app if you've had a drink in either hand at all that day, drink in one hand, and mouse in the other makes for a probable HP for nothing.

If you're questioning apping for any reason (wanting to keep INQs low, have a goal), remember, you can always let the app-itch fade so you look at it more clearly a day or two later. Unless it's a 300 cash back bonus that's going to expire that night, there's really no need to race to the submit button.

Always LOOK at your reports first and sleep on the idea, you may change your mind. Also thoroughly research what you're thinking of apping for (this alone may kill an app-itch). These boards with the search function and "whogavemecredit" are great tools and highly informative if you choose to use them.

Remember, if you plan and time your apps and your HPs well, you'll meet your credit goals sooooo much quicker. That is a fact, believe me.

Best anti-app-itch suggestions I can throw out there right now.

Maybe it's the time change or spring being close. But don't let an app-itch win over a goal you might have.

Please feel free to print this out and keep it near your apping device in case of emergency.

Re: The dreaded Drapping or regular app-itch

rtw — Sun, 10 Mar 2013 09:09:32 GMT

Thanks for the post! Not feeling the itch tonight but I am sure it's only temporary relief.

Re: The dreaded Drapping or regular app-itch

09Lexie — Sun, 10 Mar 2013 09:10:01 GMT

Thanks...I needed to be reminded. It's hard to 'come down ' after a successful mini spree!

Re: The dreaded Drapping or regular app-itch

Anonymous — Sun, 10 Mar 2013 09:14:37 GMT

Man, I wish I had come across this thread five minutes ago.

Bahahaha, I kid. I just got approved for Barclays so that is my anti-itch cream for 6 months or so! Good advice... make sure to sleep on a drap itch.

Re: The dreaded Drapping or regular app-itch

Anonymous — Sun, 10 Mar 2013 09:40:50 GMT

Can you provide us with a 16 step program?

Re: The dreaded Drapping or regular app-itch

Burned2manybridgesB4 — Sun, 10 Mar 2013 09:51:08 GMT

Steps program...nice.

Re: The dreaded Drapping or regular app-itch

zeusta20 — Sun, 10 Mar 2013 09:55:03 GMT

Oh my god. I came SOOO close tonight. Its not even funny.lol.

I've been wanting to get a revolving line from amex for some time now. I already have their charge card, but I want to build a better history with them. I went to the amex website, typed all my personal info in for the AMEX BCE, clicked 'continue'. It asked me to confirm my info, and I pressed 'confirm'. (Mind you, right when I pressed confirm, I tried to lie to myself saying I did it on accident...LOL.) then the terms and conditions popped up as far as the interest rates,fees, etc. So at that point, I had to CONFIRM AGAIN...and I quickly hit 'Command + Q' (for all you mac users out there) and it Xed out of the internet....lol. The itch is still there though.lol.

and the sad part is I JUST STARTED GARDENING ABOUT 7 HOURS AGO!!!! lol

Re: The dreaded Drapping or regular app-itch

Anonymous — Sun, 10 Mar 2013 13:23:13 GMT

I think that reading app itch threads, especially the "how to deal with the app itch" is really aggravating my app itchiness.

Reading them makes me want to go to the apple store website and get a new computer. I found out yesterday while writing GW letters that my colon key no longer works. Also, my computer is from 2006.

But....I....waaaaannnnnt.....

Re: The dreaded Drapping or regular app-itch

Anonymous — Sun, 10 Mar 2013 13:30:18 GMT

My itch is pretty much non-existent.

I still occasionally try to convince myself things like: the TU score makes a WalMart Discover worth having or some future home improvement project may make a Lowes card worth getting now, LOL!

I have too many cards and plan on closing 1 annually, beginning in two years. By then I should have no problem getting by on three PIF cards.

TBH, it's the close-itch I struggle most with. Talked myself out of closing Chase Freedom and USAA Amex this week but settled on them being moved from sock drawer to shredder.

Re: The dreaded Drapping or regular app-itch

Anonymous — Sun, 10 Mar 2013 13:37:01 GMT

Hah - I'm resisting the urge to dump cards as well, but they're my oldest cards and none of the rest are similar in age. I just got a new Target Visa in the mail. I was unaware that the old one was expiring because, well, it's so sock-drawered I don't remember where I put it.

Re: The dreaded Drapping or regular app-itch

LS2982 — Sun, 10 Mar 2013 14:57:25 GMT

@Anonymous wrote:
Man, I wish I had come across this thread five minutes ago.

Bahahaha, I kid. I just got approved for Barclays so that is my anti-itch cream for 6 months or so! Good advice... make sure to sleep on a drap itch.

Yes, Barclays does offer a mandatory 6 month anti itch cream with every approval which seems to work........or have bad side affects if apps occur during trial!

Re: The dreaded Drapping or regular app-itch

Open123 — Sun, 10 Mar 2013 15:00:09 GMT

App'ing for the sake of app'iing or out of boredom should certainly be discouraged!

However, app'ing for a worthwhile benefit or upfront bonus certainly should be a encouraged when feasible, practical and is consistent with a person's long term financial goals.

Re: The dreaded Drapping or regular app-itch

ObeyJohnny12 — Sun, 10 Mar 2013 15:40:09 GMT

Thanks for the motivating Don't App Speech. Not itching for anything.

Re: The dreaded Drapping or regular app-itch

awdsmama — Sun, 10 Mar 2013 16:08:07 GMT

So true!

When I went on my app spree last month I noticed I wanted to keep going after I told myself I was done.

I actually had to sign off myFico for a week or two to avoid the CC boards so I wouldn't see all the offers people were getting ;-) That helped!!