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Does anyone else have this feeling?

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unlucky_hove
Regular Contributor

Does anyone else have this feeling?

I struggled for so long to get my credit up to a satisfactory point. I started out with horrible credit and the only card i qualified for was Orchard bank, credit one, etc. I finally reached a point where my credit score is now considered excellent and can get any card i want (within reason). Now that I have every card I dreamed of having with prime lendors (Amex, Discover, etc.) I dont have anything to look forward too. Its like having a ferrari in the driveway but not being able to take it for a spin to show it off. Its kind of a odd feeling not working towards a certain CC?   Should i strive for an 800 and after I hit that, what then?

Message 1 of 26
25 REPLIES 25
Burned2manybridgesB4
Valued Contributor

Re: Does anyone else have this feeling?

...then go buy the Ferrari, with 0% apr...Smiley Wink

Message 2 of 26
unlucky_hove
Regular Contributor

Re: Does anyone else have this feeling?

Lol I didn't say I had unlimited money, just good credit. It's something I didn't have until a few years ago. I always dreamed of having certain CC's. Now I have them and the thrill is gone
Message 3 of 26
dodgerslv
Valued Contributor

Re: Does anyone else have this feeling?


@unlucky_hove wrote:
Lol I didn't say I had unlimited money, just good credit. It's something I didn't have until a few years ago. I always dreamed of having certain CC's. Now I have them and the thrill is gone

well there is always a chance some new credit card comes up (e.g Amex everyday) that you will like and/or have a great signup bonus so the thrill will comback...LOL

gardening since 5/21/2016
Message 4 of 26
compassion101
Established Contributor

Re: Does anyone else have this feeling?

This is what happens when you achieve the top goals in your category and can't increase your goals. What's the alternative?

Message 5 of 26
Genkeim
Frequent Contributor

Re: Does anyone else have this feeling?

I'm close to this myself. I'm apping for a CSP in a cpl months and another Amex for backdating reasons, then nothing.... I'll have a card to use for all of my spending so no need for any additional cards. Don't know what I'm going to do with myself!

NFCU NavCheck $15k | NFCU cashRewards $12.5k | NFCU goRewards $12.5k |AMEX SPG $10k | Citi AA WEMC $6.5k | CSP $5k | Wal-Mart MC $4.5k | US Air WMC $3.9k | Amex Everyday $2k | Amex BCE $2k | Chase Freedom $1k | Discover IT $800
Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)
Message 6 of 26
Involver
Valued Contributor

Re: Does anyone else have this feeling?

I can definitely relate, although every time I use one of the cards that I received after years of rebuilding I do still get quite a bit of satisfaction. 

Message 7 of 26
hajew86
New Contributor

Re: Does anyone else have this feeling?


@unlucky_hove wrote:

I struggled for so long to get my credit up to a satisfactory point. I started out with horrible credit and the only card i qualified for was Orchard bank, credit one, etc. I finally reached a point where my credit score is now considered excellent and can get any card i want (within reason). Now that I have every card I dreamed of having with prime lendors (Amex, Discover, etc.) I dont have anything to look forward too. Its like having a ferrari in the driveway but not being able to take it for a spin to show it off. Its kind of a odd feeling not working towards a certain CC?   Should i strive for an 800 and after I hit that, what then?


Buy a home with the lowest possible interest rate and increase overall personal wealth over the long term?

 

 

 

Message 8 of 26
BigBS
Senior Contributor

Re: Does anyone else have this feeling?

Not quite the same story, but after rebounding from mistakes and being able to dictate your own next moves it is a little depressing.  Get over it though and be happy!  Think about what you want next (mortgage, new car, saving for education/retirement, etc) and start building that plan.  Use what you learned here and the new plan should be easier.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 9 of 26
MissMoni223
Senior Contributor

Re: Does anyone else have this feeling?

I am gardening now so that I can get to the point where I can say that I have ALL the cards that I want. Go ahead and shoot for the 800!!! Smiley Happy

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 10 of 26
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