Trying To Stop From App'n....HELP!!!!!!

[ScoreOrBeScored]

hi, I'm trying to resist the want to App. These are my recent Apps

Jan. - Sallie Mae @ $9,600 - $3,300/&9,600 0% apr 

March - Freedom @ $3k - $1,300/$3k 0% apr

             BOA Travel rewards @ $2k - $0/$2k 0% apr

             BOA BBR @ $10k - $1,400/$10k 0% apr

April - RBFCU CC @ $15k $3k/$15k 0% apr 

          RBFCU PLOC @ $10k 8.9% apr 

          RBFCU car refi 

          Venture @ $15k ( app 4/13/15 . Pulled EX & TU )

Sallie Mae and Freedom is only 2 that has reported so far

I'm trying to stop from App'n for the QS VS. it's so tempting to. I keep telling myself  " Just one more " ....

"this is my last one " . Ughhhhhh

EX is Thawed u til April 30th - 723 with 16 inquiries.... 1 writhin  last 9 months. 

EQ is frozen and will stay frozen - 683 with 0 inquiries 

TU never frozen - 740 with 3 inquiries. All from this month.

ober all UTL - 8%

highest individual out of 4 balances - 35%

All FICO scores. 

Capital one will pull EX & TU for me for approval as they did for Venture last week.

Should I or should I not app ? 

I pm hoping I would get a high limit but seems like most folk end up with $5k on their 2nd app . Sometimes $10k

open to any suggestions and constructive criticism!!!

[Anonymous]

How about a Citi Premier.

[ScoreOrBeScored]

Never thought about it or considered it.lol what they pull ?

[Kirmie2010]

Do you have a reason to stop? if not, keep on goin!

Once you app youll know and can stop then if you want

If you are going for a loan/house anytime soon then no.

Good luck

[ScoreOrBeScored]

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@japakar wrote:

Do you have a reason to stop? if not, keep on goin!

Once you app youll know and can stop then if you want

If you are going for a loan/house anytime soon then no.

Good luck

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A mortgage in mind but that's 12 - 18 months away, trying to get it out my system so I can let everything age and settle. 

Wouldnt oull the trigger on a mortgage app until May or June 2016. 

[Kirmie2010]

I have the same mindset and am/was doing the same thing.  (get everything settled before looking for a home) Id say go for it.

Common wisdom on this site is against it and says the inquries will matter longer than a year for a home loan/mortgage.  I dont know if they are right or not, I didnt see anything official saying inquries older than 1.5 or 2 years matter and can hinder your loan, just heresay.

(I posted how I dont mind apping to hell and am having fun getting lots of cards and my home loan app wont be for about 18 months so I should be fine and lots of people said it was a bad idea to the point I got tired of it and the thread was closed.  I wouldnt of minded if I had asked for advice but I was just sharing what ive been doin.)

[jamesdwi]

just a word of caution, Barclays has been known to CLD if they see too many APs within the first 6 months you have had the card, and will also impact your chances of auto-CLI luv with them. wait 3-6 months more and you will get a better starting CL on more cards anyway.  YMMV.

[ScoreOrBeScored]

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@jamesdwi wrote:

just a word of caution, Barclays has been known to CLD if they see too many APs within the first 6 months you have had the card, and will also impact your chances of auto-CLI luv with them. wait 3-6 months more and you will get a better starting CL on more cards anyway.  YMMV.

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I'm not worried about Barclays, I had their RMC and opened 8 new accounts when I opened theirs and still got my Cli the night of my 6th 

statement. No AA from them. 

[Anonymous]

I got no CLI from them yet but then again I don't have 6 statements yet. (soon)

[Anonymous]

I stop with apps easy , all apps denied tada! lol