When will I learn???

[Anonymous]

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@Anonymous wrote:

So about a week and a half ago I lost my mind an apped for Walmart, and after some serious reading about perks, benefits and approval rates, the Shell gas card. 7-10 day message on both. Synchrony sent an email within 2 days with a denial, and I never heard from shell. So I called them today, and yep, they denied me. I have GOT to quit reading how easy certain cards are to get. I know better. But I app anyway, because, clearly, hope springs eternal. So do denials, for me at least. If I ever get out from under this credit disaster, it will be a miracle. Thank you, dear old ex husband of mine, for leaving me this legacy to clean up. You butthead. I shouldn't be surprised at my dumb move to keep apping. After all, I married him, and that was not so bright either. Ugh. Ok. Tomorrow is another day, and hopefully I will be less mad at myself. 

But for those who are desperately trying to get a credit card, PLEASE, learn from my mistakes. It doesn't matter how many people say a credit card is easy to qualify for. Because it isn't easy at all for some folks.  Ok. Going into my corner to suck my credit app signing thumb and sulk now.

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*********hugs***********

it sucks but I think once you get your mindset in that cc companies are suppose to be vying for your business and not the other way around, you'll be fine.

you only need one good cc, than start building there.. Hopefully that carrier will grow your CL as you continue to have a good track record and give them swipes..try not to look at your credit score as often and focus more on growing your current set.

once you're more selective with your apps and who you want to do business with, the easier it gets..but it will take time, there's no shortcut in building your credit.

i suppose you can try fluffing it up with store cards and such but would you rather have a few good cards or a dozen cards of which more than 3/4 isn't really of any use?

[jbsea]

Don't worry crazed... we have all been there.  When I started I app'd for things I had no business app'ing for.  I started Nov of last year.  I had to learn some hard lessons and take some inq. that i wish I could have back.  We all do it and hopefully we learn from that.  I have 10 credit cards now and even some of the ones I have I wish I didn't have.  But I guess it is part of the growing process.  Just keep working on your credit and I promise you will get to where you want to be even if it is not fast as you want it to be.  I've come a long ways but I still have a long ways to go, which includes hanging out in the garden for the next couple of years.  But it is all part of the process.... hang in there, you can do it.

[Anonymous]

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@Anonymous wrote:

The Capio collection may not be legit at all. I have to find out where it came from. My brother lived with me the last year of his life (battling cancer) so if it is from that, it goes on his estate, not me. If it is from my daughter, that I also care for, it's an insurance issue. I haven't been in a hospital in over 3years, and that was an ER visit so I doubt it's that.

I never even thought about checking into innocent spouse status. Thanks for the idea! At least it's a place to start, besides threatening to harm the ex for not handling this to start with.

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I'm going to send you a PM.  I have some questions I need to ask you.

[Anonymous]

Everyone is being so supportive and nice. I have read a few (only a few, mind you) posts where the opt was dealt with pretty harshly so I was kind of braced for that reaction. But the responses here have been so helpful. It makes me feel a tiny bit less terrified to tackle these problems. Thanks!!

[Anonymous]

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@Anonymous wrote:

So about a week and a half ago I lost my mind an apped for Walmart, and after some serious reading about perks, benefits and approval rates, the Shell gas card. 7-10 day message on both. Synchrony sent an email within 2 days with a denial, and I never heard from shell. So I called them today, and yep, they denied me. I have GOT to quit reading how easy certain cards are to get. I know better. But I app anyway, because, clearly, hope springs eternal. So do denials, for me at least. If I ever get out from under this credit disaster, it will be a miracle. Thank you, dear old ex husband of mine, for leaving me this legacy to clean up. You butthead. I shouldn't be surprised at my dumb move to keep apping. After all, I married him, and that was not so bright either. Ugh. Ok. Tomorrow is another day, and hopefully I will be less mad at myself. 

But for those who are desperately trying to get a credit card, PLEASE, learn from my mistakes. It doesn't matter how many people say a credit card is easy to qualify for. Because it isn't easy at all for some folks.  Ok. Going into my corner to suck my credit app signing thumb and sulk now.

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Being "desperate" for credit is precisely why people get denied.

[Anonymous]

In that light, you are right and it makes sense. But some people are desperately trying to prove themselves. That's what I meant. I readily admit I got stupid. I am going back to my original plan of 2 secured cards, 1 car loan, 1small personal loan, and a few well used store cards. (The store cards are not so much for credit as for the deals I get. With the coupons and % off combined with me shopping sales and clearance, I get some really, really good deals).  I figure this will give me a nice mix of good reporting. Then i'll wait and see. I want to buy a house next year so I can accept people aren't throwing credit at me like mad for now.

[NRB525]

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@Anonymous wrote:

So about a week and a half ago I lost my mind an apped for Walmart, and after some serious reading about perks, benefits and approval rates, the Shell gas card. 7-10 day message on both. Synchrony sent an email within 2 days with a denial, and I never heard from shell. So I called them today, and yep, they denied me. I have GOT to quit reading how easy certain cards are to get. I know better. But I app anyway, because, clearly, hope springs eternal. So do denials, for me at least. If I ever get out from under this credit disaster, it will be a miracle. Thank you, dear old ex husband of mine, for leaving me this legacy to clean up. You butthead. I shouldn't be surprised at my dumb move to keep apping. After all, I married him, and that was not so bright either. Ugh. Ok. Tomorrow is another day, and hopefully I will be less mad at myself. 

But for those who are desperately trying to get a credit card, PLEASE, learn from my mistakes. It doesn't matter how many people say a credit card is easy to qualify for. Because it isn't easy at all for some folks.  Ok. Going into my corner to suck my credit app signing thumb and sulk now.

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Well, on the bright side, by applying for WalMart and the Shell card, now you know where you stand with those cards. If you didn't apply, you'd still be wondering today, instead of getting a clear answer from those CCC. Getting the clear answer makes it easier to move forward.

Kudos for going for the SDFCU secured card. It will boost your spirits, along with having that card with Capital One. You at least have no predatory cards to worry about.

Good luck in your rebuilding, and it sounds like you are doing thorough research to try to elminate any items that are not your responsibility.

[Anonymous]

+1, Also keep in mind "easy" doesn't mean "guaranteed"

[Anonymous]

@ NRB525 Lol true, I definitely know where I am at. The cards would have been handy to have but not critical to my survival or anything. I read enough on these boards to know to stay away from CCC like first premier and their ilk. I lurked and read for a month before I ever got the Cap1 card. I will be paying my third statement with them this week. Slowly, but surely.

@tuolumne, I never thought it meant guaranteed. If I had thought it meant guaranteed, I would have been mad at them instead of myself. My whole point was I knew better, but did it anyway. I. Got. Stupid. Temporarily, anyway. Thank goodness I am over it now. The stupid part. Not the being mad at myself part. That'll stick for a while, which is a good learning opportunity for me. Thanks for your insights, though.

[Anonymous]

Sorry to hear but sounds like you're on the right track now.  Stay here and you'll get there.