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Applying for credit is like dating

Anonymous
Not applicable

Re: Applying for credit is like dating


@masscredit wrote:

I'm sitting here waiting for the agent to get back to me to see if my CLI request is granted. This kind of feels like dating. Will they like me enough? How far will they go with me ect... And then... the feeling for relief when I get an approval.  Or, on the other side of the coin, there is sometimes rejection. 


Excellent analogy!!!

Message 11 of 30
Anonymous
Not applicable

Re: Applying for credit is like dating

That's why you take your credit to the gym.  Get lean and practice your game.  Only after you're conditioned is when you should "ask her out".  I'm going after Megan Fox (Chase Sapphire Preferred) once this damn collections gets removed.

Message 12 of 30
masscredit
Valued Contributor

Re: Applying for credit is like dating

The walk of shame in the dating world is when people see the woman leaving early in the morning. They know what happned the night before Smiley Happy  Might be a little different in the credit world. Like one of us being excited about applying for new credit then having to come back to tell the board we were denied. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 695 / TU - 657 / EX - 672

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $4500 / Andrews FCU Secured - $3000 / OpenSky Secured - $3000 / Capital One QuickSiver - $3000 / Ally Master Card - $2800/ Walmart Mastercard - $2000

Andrews FCU SSL $1500
Message 13 of 30
Existentialist
Frequent Contributor

Re: Applying for credit is like dating


@Anonymous wrote:

@Existentialist wrote:

.... And similar to dating one must always be prepared for the possibility of rejection.... and subsequently how to handle it.


Or......being prepared to score......and subsequently how to handle it! Smiley Happy


Agree wholeheartedly..... touche' (lol).

Message 14 of 30
masscredit
Valued Contributor

Re: Applying for credit is like dating

I was talking to a buddy about this thread yesterday. We came up with a few other things. Some people might -

 

Exaggerate the size of their accounts.

Post account info that was better years ago (like younger pictures on a dating site)

And this one I thought was great - be credit promiscuous by trying to get credit from every lender that will give it to them. 

 

Credit promiscuous... I think some members here can take this title! Smiley Happy 

 

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 695 / TU - 657 / EX - 672

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $4500 / Andrews FCU Secured - $3000 / OpenSky Secured - $3000 / Capital One QuickSiver - $3000 / Ally Master Card - $2800/ Walmart Mastercard - $2000

Andrews FCU SSL $1500
Message 15 of 30
UncleB
Credit Mentor

Re: Applying for credit is like dating

Don't forget the recon request...

 

It's like standing outside the window, holding the boombox over your head with Peter Gabriel blaring for all to hear.

Message 16 of 30
pizza1
Community Leader
Super Contributor

Re: Applying for credit is like dating

this thread is AWESOME!!!!!!! LMFAO!!! I love it...ALL!Smiley Happy hahahahaha
Message 17 of 30
Anonymous
Not applicable

Re: Applying for credit is like dating

I hear all the hip couples add authorized users? C'mon! why do I feel like im the only one thinking questionable choices?

Message 18 of 30
UncleB
Credit Mentor

Re: Applying for credit is like dating


@Anonymous wrote:

I hear all the hip couples add authorized users? C'mon! why do I feel like im the only one thinking questionable choices?


Yeah, you have to really be careful bringing an authorized user into your relationship.  They'll party with you, but in the end you're the one held responsible.  Smiley Surprised

Message 19 of 30
UncleB
Credit Mentor

Re: Applying for credit is like dating

Another way credit cards are like dating...

 

Just one night of crazy, uninhibited fun can leave you with monthly payments for years to come. 

 

Also, while you're paying for that irresponsibility, other, more attractive cards you're interested in will tend to steer clear of you; but you'll be covered up with offers that are less than prime.

Message 20 of 30
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