Addicted to apps :(

[myjourney]

Addicted yes I am but also a member of GAA=garden app anonymous 

I repeat everyday Hello my name is myjourney and I am a app oholic.......Lol

[Anonymous]

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@artvandalay wrote:

With the exception of one card, i've apped for, and received almost every brand name card I could ask for and have received decent balances.  The only card I haven't applied for is a Cap1 card and that's mostly because I think their commercials are horrible. Despite this success, I find myself apping for random, off brand cards (First National Omaha, Zion Bank Visa Signature, Visa Black...). I have 9 cards now and about 80k in CL. I don't need/want more (except this one card I'll app for in the second half of the year). I need to exercise some self control but am constantly seeking acceptance thru app approvals .

I've avoided store credit cards (no interest in a target or Walmart card) but need help backing away from these other cc apps. Anyone else struggle with ceasing the app process?

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Well, that's the key right there. Credit cards can be wonderful things -- they can help us shop more safely online, they allow us to make purchases without the need to carry around a lot of cash, we can rack up rewards on them. All in all, when used properly they're wonderful tools. What they are not, however, is a reflection of who one is as an individual. Self worth needs to come from inside, not from an approval message on a computer screen. This is not an easy fix, but being mindful of it is a big step. Please remind yourself that you have inherent worth and dignity no matter what you may hold in your wallet. This, of course, holds true for all of us.

[sjohnson696]

I am so addicted to app'ing for credit, that it scares me.  I am probably ruining my credit by app'ing so much.  Within 3 months, I have applied for about 25 new credit cards.  I suppose that the problem is that I had bad credit for so long, that now that it's improving, I am losing my mind.  I have been approved for the majority of the cards; however, I have been denied some of them. The worst part of it is that I don't even want some of the cards.  Here is a list of my new credit cards:

Cards I'm happy about:

Bloomingdales: $1500 CL

Target: $200 CL

Sam's Club: $600 CL

Belk: $200 CL

Dillard's: $600 CL

Macy's: $600 CL

Shop NBC: $1000 CL

QVC: $700 CL

Firestone: $1400 CL

Care Credit $1800 CL

Barclay Apple Card Visa: $500 CL

Bank of America Visa: $500 CL

Langley Federal Credit Union Visa: $1000 CL

Capital One: $500 CL

Peebles: $250 CL

Lowes: $300 CL

Victoria's Secret: $500 CL

Jared/Kay Jeweler's: $2000 CL

Kohl's: $300 CL

TJMaxx: $600 CL

Cards I don't want:

Avenue: $250 CL

WomanWithin: $250 CL

KingSize: $250 CL

Jessica London: $250 CL

Texaco/Chevron: $300 CL

Roaman's: $250 CL

BrylaneHome: $250 CL

OneStopPlus: $250 CL

See what I mean??!!??

[CS800]

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@sccredit wrote:

I actually found that freezing my credit reports works best for me

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+ 1 . Works for me too

[Anonymous]

Along with controlling the urge to app, you might want to consider closing some of your cards. I don't know how you keep track of them all. I couldn't do even with a spreadsheet. I think 10 cards max is the most I would want to manage.

[Supawest]

Yeah I couldn't manage that many cards. I think 3-5 with solid limits is enough. Plus I like carrying a small wallet lol

[LS2982]

@SJohnson Wow that is A LOT of toy limit cards I would suggest axing the ones you do not use.

[SpiceIslander]

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@artvandalay wrote:

 Anyone else struggle with ceasing the app process?

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A denial or two will generally take care of that. Perhaps you should quit while you're ahead.