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Capital One Pre-Approval in the mail!!

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FinStar
Moderator Emeritus

Re: Capital One Pre-Approval in the mail!!


@USF813 wrote:

@Anonymous, I know that approach definately works for some people. After reckless spending which landed me in BK I don't feel the need to have more than what I currently have. I don't necessarily begrudge others who do feel the need for 8-10 or more cards, although I don't believe it's a healthy addiction. Plus i'm a member of NFCU. I don't see what Capital One could offer me that Navy Fed can't. I'm treating NFCU real good and hope that in a years time when i'm ready to buy a new car they'll treat me well too. Smiley Happy


+1

 

I very much agree with your statement OP.  Everyone has different financial goals and you do what's best and what works for you.  Conversely for me, I am comfortable with what I have so it varies by individual.

Message 11 of 14
SunriseEarth
Moderator Emeritus

Re: Capital One Pre-Approval in the mail!!

Congrats on pre-approval and for making a positive decision to pass on credit that you didn't need/want.

 

I still wonder if my VS CC was a good idea.   LOL



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Sephora VS $11900 | Belk MC $10000 | Rakuten AMEX $10000 | Wayfair MC $9500 |~~
Message 12 of 14
efranklin23
Valued Contributor

Re: Capital One Pre-Approval in the mail!!


@USF813 wrote:

Yes it does. I graduated from there in 2003. I'm a born and raised Tampan. I grew up in Temple Terrace, near Whiteway drive.


Ok cool. I dated a girl that attended USF so I was in Tampa for awhile while living in South Florida. And Yea, I know exactly where that's at 

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 13 of 14
efranklin23
Valued Contributor

Re: Capital One Pre-Approval in the mail!!


@FinStar wrote:

@efranklin23 wrote:

@USF813 wrote:

@Anonymous, I know that approach definately works for some people. After reckless spending which landed me in BK I don't feel the need to have more than what I currently have. I don't necessarily begrudge others who do feel the need for 8-10 or more cards, although I don't believe it's a healthy addiction. Plus i'm a member of NFCU. I don't see what Capital One could offer me that Navy Fed can't. I'm treating NFCU real good and hope that in a years time when i'm ready to buy a new car they'll treat me well too. Smiley Happy


+1 Credit varies for everyone. Some people prefer 1 card while others have over 100 cards on here (not saying any names Smiley Very Happy)


Do you mean Ron1 and myself OP?  Even the fabulous Lexie has a decent portfolio close to mine Smiley Tongue


Smiley Very Happy I'm not saying any names but those out there know who i'm talking about 

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 14 of 14
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