Just wanted to mention a tidbit or two about my recent bout with dapping , a spree that should never had been but twas, only saved by my epic approval with PSECU. Sometimes, having my bureaus locked or frozen saves me from myself lol.
Anyway received my denial letter from Langley on the approval turned not accepted to cli request turned denied
. Looks like my dti is now to high for them and i owe too much so im guessing ill have to suffice with what i have for forseeable future.
The big one i guess was my dart throw at Amex. Just wanted to see what stuck so i applied for the Delta Skymiles card lol. Most people here feel once in with Amex, you get subsequent approvals via sp. Nope, very YMMV. I got hp'd when i took out my Bonvoy. Looks like Amex wanted to pull my credit as the said i had a freeze or lock on and in order to process it they would need it open.
So yeah, i sometimes save myself othertimes my own worse enemy. Im now firmly in garden. Main goal is reduce debt, which will take time with me always helping my family here, and reduce my inquiries. Just remember with Amex , not slways sp even once a member. Thanks for reading
AJC
Anyway received my denial letter from Langley on the approval turned not accepted to cli request turned denied
. Looks like my dti is now to high for them and i owe too much so im guessing ill have to suffice with what i have for forseeable future.The big one i guess was my dart throw at Amex. Just wanted to see what stuck so i applied for the Delta Skymiles card lol. Most people here feel once in with Amex, you get subsequent approvals via sp. Nope, very YMMV. I got hp'd when i took out my Bonvoy. Looks like Amex wanted to pull my credit as the said i had a freeze or lock on and in order to process it they would need it open.
So yeah, i sometimes save myself othertimes my own worse enemy. Im now firmly in garden. Main goal is reduce debt, which will take time with me always helping my family here, and reduce my inquiries. Just remember with Amex , not slways sp even once a member
. Thanks for reading AJC
Hey, at least one good success story out of all this..PSECU. Thanks for sharing...and...
Now go straight to the Garden and do not collect! No more app for at least 262,800 minutes! 
You can have the (full time) job of saving me from myself. I want a Precious in the spring.
Lol, indeed @Anonymous. The problem , also saving grace, is im very limited to my lenders that i can get. I cant apply for Barclays, Cap One, TD Bank, US Bank, PNC, and any orher big banks in the US. All i need is thst one nudge and once i start closing accounts, im sure it will be dominoes.
Bonus, i get no cc offers, have fraud alerts, and still blacklisted from my local bank😎😉🙋♂️
.Bonus, i get no cc offers, have fraud alerts, and still blacklisted from my local bank😎😉🙋♂️
C'mon everybody, we're going drapping!
