topic Re: addicted to applying for cc's? in Credit Cards

addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 16:23:31 GMT

i have noticed that when i have free time and nothing to do at home,i end up getting on this forum and see new posts,reading peoples approvals and success stories i end up getting the urge to find a new cc to apply for,EVEN THOUGH i do not need any more,i could say i have some of the best cc's out there atm...maybe one to many. i get to the point of getting to the app page,filling out all my info,right before i hit sumit for a desicion i end up backing out before i get even more tempted and have to think to myself(thank god i did not apply,would not be worth the HP)

i know this is dumb but for some reason i want another amex...the PLAT....knowing it wont do me no good since i do not travel a lot.

i have all the cards i need and im at the point of,what is next?what is the next level of credit card for me to strive to get?what other challenges are out there to thrive off for next big thing.am i the only one who has a HARD time to stay in the garden?

with all my new accounts i have recently opened and all a lot of new CLI i have recieved
i feel a bit off?like something is missing?

maybe i just need a new car?
LOL,jk.

Re: addicted to applying for cc's?

Revelate — Tue, 16 Apr 2013 16:29:01 GMT

Hence the whole garden thread .

This forum requires a non-trivial amount of discipline sometimes, and you aren't alone in getting dazzled by the glitter and bright lights of approvals on this forum. Even I've succumbed occasionally, it happens.

That said, best advice I can offer is create a plan, post it publically, and hold yourself accountable. If that doesn't work, well, taking breaks from the forum as necessary may be the best option honestly.

Re: addicted to applying for cc's?

Anonymous — Tue, 16 Apr 2013 16:31:41 GMT

I think there is a time just to leave the site for a while, temptations are too great, and you have a good set of cards. I am spending too much time here as well, time to take a 6 month break! (And going somewhere else, like flyertalk or credit*ds doesn't count...)

Re: addicted to applying for cc's?

Anonymous — Tue, 16 Apr 2013 16:36:08 GMT

You could always close all your accounts, wait a month, and start a new journey.

Re: addicted to applying for cc's?

Creditaddict — Tue, 16 Apr 2013 16:37:04 GMT

@Anonymous wrote:
I think there is a time just to leave the site for a while, temptations are too great, and you have a good set of cards. I am spending too much time here as well, time to take a 6 month break! (And going somewhere else, like flyertalk or credit*ds doesn't count...)

Now see I look at bs6054 signature and it makes me want to call and CLI and apply for new accounts like crazy until I have those CL's!!! haha

I know much of that comes from not applying for a ton of stuff you don't need and making good use of what you have and building that long relationship!

But yes OP, I get side tracked from what I'm doing to look at credit cards and such but as long as it has a purpose I think it's okay... Right?

PS. Please close First Premier, and Credit One since you have Amex!

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 16:39:54 GMT

@Anonymous wrote:
You could always close all your accounts, wait a month, and start a new journey.

LOL that made me laugh,it just like a video game,once you get so far,somehow and someway you lose all your last saved game,you dont wanna start all over and just say screw this.

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 16:44:04 GMT

@Creditaddict wrote:
@Anonymous wrote:
I think there is a time just to leave the site for a while, temptations are too great, and you have a good set of cards. I am spending too much time here as well, time to take a 6 month break! (And going somewhere else, like flyertalk or credit*ds doesn't count...)
Now see I look at bs6054 signature and it makes me want to call and CLI and apply for new accounts like crazy until I have those CL's!!! haha
I know much of that comes from not applying for a ton of stuff you don't need and making good use of what you have and building that long relationship!

But yes OP, I get side tracked from what I'm doing to look at credit cards and such but as long as it has a purpose I think it's okay... Right?

PS. Please close First Premier, and Credit One since you have Amex!

my CL's on my cards are ok(10k and up is my average and 25k being my highest)

first premier and credit one,are both OOOOOLD cards,both cards my wife applied for when i was deployed...why?idk i guess i kept getting a lot of offers in the mail and thought they were good cc companies?eh she didnt know,so now im stuck with these 2 cards that have have a good age on them.

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 16:46:05 GMT

atleast i have sooomewhat good discipline to back out on my apps,i think i could handle it(hopefully) i do enjoy reading peoples posts regardless of the topic

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 16:47:22 GMT

@Anonymous wrote:
I think there is a time just to leave the site for a while, temptations are too great, and you have a good set of cards. I am spending too much time here as well, time to take a 6 month break! (And going somewhere else, like flyertalk or credit*ds doesn't count...)

6 months?! lol i couldnt even stay in the garden for that long and that was before this forum.

instead of logging on everyday,i will log on every other day and slowly expand my log ins over time

Re: addicted to applying for cc's?

Creditaddict — Tue, 16 Apr 2013 17:04:54 GMT

@mojobones89 wrote:
@Creditaddict wrote:
@Anonymous wrote:
I think there is a time just to leave the site for a while, temptations are too great, and you have a good set of cards. I am spending too much time here as well, time to take a 6 month break! (And going somewhere else, like flyertalk or credit*ds doesn't count...)
Now see I look at bs6054 signature and it makes me want to call and CLI and apply for new accounts like crazy until I have those CL's!!! haha
I know much of that comes from not applying for a ton of stuff you don't need and making good use of what you have and building that long relationship!

But yes OP, I get side tracked from what I'm doing to look at credit cards and such but as long as it has a purpose I think it's okay... Right?

PS. Please close First Premier, and Credit One since you have Amex!
my CL's on my cards are ok(10k and up is my average and 25k being my highest)
first premier and credit one,are both OOOOOLD cards,both cards my wife applied for when i was deployed...why?idk i guess i kept getting a lot of offers in the mail and thought they were good cc companies?eh she didnt know,so now im stuck with these 2 cards that have have a good age on them.

Why keep because they are old... they are costing what $20 a month just for those 2... that is not a help! Pay the AF on a Amex Platinum that you can't make worth while before you carry 2 cards with banks like FP and CO for same cost!!

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 17:09:55 GMT

@Creditaddict wrote:
@mojobones89 wrote:
@Creditaddict wrote:
@Anonymous wrote:
I think there is a time just to leave the site for a while, temptations are too great, and you have a good set of cards. I am spending too much time here as well, time to take a 6 month break! (And going somewhere else, like flyertalk or credit*ds doesn't count...)
Now see I look at bs6054 signature and it makes me want to call and CLI and apply for new accounts like crazy until I have those CL's!!! haha
I know much of that comes from not applying for a ton of stuff you don't need and making good use of what you have and building that long relationship!

But yes OP, I get side tracked from what I'm doing to look at credit cards and such but as long as it has a purpose I think it's okay... Right?

PS. Please close First Premier, and Credit One since you have Amex!
my CL's on my cards are ok(10k and up is my average and 25k being my highest)
first premier and credit one,are both OOOOOLD cards,both cards my wife applied for when i was deployed...why?idk i guess i kept getting a lot of offers in the mail and thought they were good cc companies?eh she didnt know,so now im stuck with these 2 cards that have have a good age on them.
Why keep because they are old... they are costing what $20 a month just for those 2... that is not a help! Pay the AF on a Amex Platinum that you can't make worth while before you carry 2 cards with banks like FP and CO for same cost!!

wierd thing is,i dont get charged monthlys or yearly fees?

i havent used those cards since....pfffft forever ago.....

SO let me get this straight...

is that a yes on the PLAT?

lol?

Re: addicted to applying for cc's?

WolfMan — Tue, 16 Apr 2013 17:26:55 GMT

Somedays I see a card someone got approved and think, I want!

Luckily I stop myself. Finally getting approved for things is like a drug. I want more.

Re: addicted to applying for cc's?

Open123 — Tue, 16 Apr 2013 17:42:01 GMT

Just too hard for me to resist all these free offers issuers are throwing around so generously.

When I see such fierce competition, I know in the back of my mind it isn't going to last and mind as well take it while it's available. A time soon enough will come when these generous offers will no longer exist.

Also, I just like credit cards, I suppose. Even now, I look forward to their arriving, opening up the envelope seeing it the first time and exploring the new online set up acitivating it for my first charge.

It's weird, since I don't know anyone around me who would understand. If they knew, they'd probably be a little "troubled." LOL

Re: addicted to applying for cc's?

dodfire — Tue, 16 Apr 2013 17:44:48 GMT

@Open123 wrote:
Just too hard for me to resist all these free offers issuers are throwing around so generously.

When I see such fierce competition, I know in the back of my mind it isn't going to last and mind as well take it while it's available. A time soon enough will come when these generous offers will no longer exist.

Also, I just like credit cards, I suppose. Even now, I look forward to their arriving, opening up the envelope seeing it the first time and exploring the new online set up acitivating it for my first charge.

It's weird, since I don't know anyone around me who would understand. If they knew, they'd probably be a little "troubled." LOL

I understand....I think I am "troubled" haha

Re: addicted to applying for cc's?

nicefa — Tue, 16 Apr 2013 18:19:21 GMT

I have to say, I think I am also addicted. For a long time I only had a few cards but then when my scores recently went up and not even that high I wanted to see if I could qualify for a new card. So... on saturday I tried the shopping card trick (which I learned by reading this forum- Thanks Myfico!) I applied for Victoria Secret($750) and Express (no limit stated) and was instantly approved. I loved the feeling, so I tried some more Walmart($1000) and Lowe's ($650) ) instant approvals! So on sunday... Chase ($1800) and Targets($500). So I told myself to stop. Then monday morning I saw someone ask about the paypal MC and I thought (hey, i have a paypal acct) so Iogged in and applied! I got the number to call so I figure finally... a rejection but no, it was to confirm ID. I was approved for $2000. So I got to work and called my credit union and asked for a credit limit increase (I had a $500 visa) they approved for $2000... I know these limits are low to some but they are high to me. Long story short, I know I have a problem but...I am just so happy to be approved lol

Re: addicted to applying for cc's?

dodfire — Tue, 16 Apr 2013 18:25:02 GMT

@nicefa wrote:
I have to say, I think I am also addicted. For a long time I only had a few cards but then when my scores recently went up and not even that high I wanted to see if I could qualify for a new card. So... on saturday I tried the shopping card trick (which I learned by reading this forum- Thanks Myfico!) I applied for Victoria Secret($750) and Express (no limit stated) and was instantly approved. I loved the feeling, so I tried some more Walmart($1000) and Lowe's ($650) ) instant approvals! So on sunday... Chase ($1800) and Targets($500). So I told myself to stop. Then monday morning I saw someone ask about the paypal MC and I thought (hey, i have a paypal acct) so Iogged in and applied! I got the number to call so I figure finally... a rejection but no, it was to confirm ID. I was approved for $2000. So I got to work and called my credit union and asked for a credit limit increase (I had a $500 visa) they approved for $2000... I know these limits are low to some but they are high to me. Long story short, I know I have a problem but...I am just so happy to be approved lol

STOP!!!! STOP NOW!!!

Congrats on your approvals but you are KILLING your score!!!

Re: addicted to applying for cc's?

Creditaddict — Tue, 16 Apr 2013 18:26:45 GMT

@nicefa wrote:
I have to say, I think I am also addicted. For a long time I only had a few cards but then when my scores recently went up and not even that high I wanted to see if I could qualify for a new card. So... on saturday I tried the shopping card trick (which I learned by reading this forum- Thanks Myfico!) I applied for Victoria Secret($750) and Express (no limit stated) and was instantly approved. I loved the feeling, so I tried some more Walmart($1000) and Lowe's ($650) ) instant approvals! So on sunday... Chase ($1800) and Targets($500). So I told myself to stop. Then monday morning I saw someone ask about the paypal MC and I thought (hey, i have a paypal acct) so Iogged in and applied! I got the number to call so I figure finally... a rejection but no, it was to confirm ID. I was approved for $2000. So I got to work and called my credit union and asked for a credit limit increase (I had a $500 visa) they approved for $2000... I know these limits are low to some but they are high to me. Long story short, I know I have a problem but...I am just so happy to be approved lol

SWEET, Especially if this 610 below is current TU!

Re: addicted to applying for cc's?

flowfaster — Tue, 16 Apr 2013 18:33:15 GMT

I see you don't yet have the US Bank CASH+.... Mwahahaha

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 18:45:31 GMT

@WolfMan wrote:
Somedays I see a card someone got approved and think, I want!
Luckily I stop myself. Finally getting approved for things is like a drug. I want more.

agreed.

Re: addicted to applying for cc's?

mojobones89 — Tue, 16 Apr 2013 18:46:44 GMT

@Open123 wrote:
Just too hard for me to resist all these free offers issuers are throwing around so generously.

When I see such fierce competition, I know in the back of my mind it isn't going to last and mind as well take it while it's available. A time soon enough will come when these generous offers will no longer exist.

Also, I just like credit cards, I suppose. Even now, I look forward to their arriving, opening up the envelope seeing it the first time and exploring the new online set up acitivating it for my first charge.

It's weird, since I don't know anyone around me who would understand. If they knew, they'd probably be a little "troubled." LOL

no,i totally understand lol,the moment u know u get approved and look at your mailbox everyday to see if ur card has arrived LOL