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@Anonymous wrote:we do what we have too! i wanted VS and Express to go with my macy's.. they've been doing layoffs at my work, which is why i also did care credit..
its the second time he gave me his "unsolicited advice"... i know i need to garden but im new here and its so hard! you all have so many credit i never heard of i want to research them all and apply.. LOL..
I'll give you many more "unsolicited advice" too. Research them, but don't apply. Make a list of 2 or 3 cards you want in 6 months and then apply.
New here means you applied for cards and didn't get them and many people here explained to you why and what to do and you acknowledge and learn.
Then when you start the SCT game it's easy to get excited with a bunch of $150-$250 starting lines. You end up in toy limit hell. Then when you want a credit card with a big bank and a big boys/girls starting line you start getting declined all over again.
Then you will wonder why...donny10 is not giving nasty smart you know what remarks.
Feel free to apply for everything and anything. Denial after denial. Wait 6 months to a year, maybe approval after approval.
There a third one for ya.
BTW, don't you think I want more cards? Hell yeah...i closed in the last year the following.
Discover It $3500
Marvel $10000
Cashforward $6500
Ring $5000
Penfed PLOC $10000
Quicksilver $4000
Venture One $9500
Comenity Dental First $9500
Capital One Dining Premier $25000
And more. I kept what I like in my siggy. I just applied and was approved for the CSP and Penfed Power Cash. But I was in the garden for 6 months before applying for those two latest cards. I'm back in the garden again for another 6 months to a year before I consider anything else even though I would like more and most likely get approved for any card I want. But if I want to keep getting the big starting lines, I wait and space it out.
There is strategy. The two biggest strategic moves are discipline and self control.
idk why you are still going on and on.. i did 2 cause i was curious and thats it....the end..
side note.. theres no way to delete a post right? i never should have posted this.. and believe me.. im going in the garden but if anything else happens i wont be posting ive learned my lesson.. im here to learn not get beat up about decisions and told what to do like im 5.. i know that i screwed up by applying for a bunch of cards and getting denied(but i didn't waste the HP's , i recon'd them all!) and that i can't keep applying.. seriously.. i get it..
the end.
I have to agree with donny10
I got that first SCT pop-up by default while shopping online at VS for something I needed. Because I am in the middle rebuilding since December and at that point only had one Cap 1 QS1, I applied because I was pre-approved. I didn't even know who Comenity was so I Googled it and learned about the SCT! Bad news! Although it helped boost my total CL, I was now the owner of 10, yes 10 Comenity Bank Cards. At the advise of some knoweledgable peeps here on MF, I just closed out my 4 smallest. I'm not worried about my score decreasing because my util is at 1%. As soon as I am able to CLI my NFCU Cash Rewards Card, I will close out a few more of the higher limit cards. But for now, I will keep them open so that I have some credit to work with on my "real cards" and keep my util low.
Starting Scores December 2015 (High 400's to low 500's)
As of 9/2017: EQ: 628 / TU:644 / EX: 660
VS: $350 - Closed
JCrew: $250 - Closed
Loft: $500 - Closed
Talbots: $300 - Closed
Williams-Sonoma - $1K
Frontgate- $1K - Next to close
OS - $1K
Wayfair - $1K - Next to close
Boscovs - $1K - Next to close
Pottery Barn - $2K
QS1 - $300 CLI to $750
QSQ - $300 (big mistake)
BofA - $500 ($99/$500) - hoping this will grow by end of December
NFCU - $2,100 - CLI and 2nd card end of Oct. hopefully!
Gardening while some of this ages and a few more baddies age off
@Anonymous wrote:BTW, don't you think I want more cards? Hell yeah...i closed in the last year the following.
Discover It $3500
Marvel $10000
Cashforward $6500
Ring $5000
Penfed PLOC $10000
Quicksilver $4000
Venture One $9500
Comenity Dental First $9500
Capital One Dining Premier $25000
And more. I kept what I like in my siggy. I just applied and was approved for the CSP and Penfed Power Cash. But I was in the garden for 6 months before applying for those two latest cards. I'm back in the garden again for another 6 months to a year before I consider anything else even though I would like more and most likely get approved for any card I want. But if I want to keep getting the big starting lines, I wait and space it out.
There is strategy. The two biggest strategic moves are discipline and self control.
does nobody listen to me? i said i did 2 cause i was curious and now im done.. the end!!!!
Enough already with the unsolicited advice. As we have made clear on many occasions the approvals forums is not the place to 'lecture' anyone on their credit files and/or habits. If you can't say something positive in response, then don't post.
Yep - I have two of 'em, and they did and are doing their job for me. Congrats!
finally got my express card today.. SL is $350.. tried luv button nogo, tried robolady nogo.. womp womp