I need a 12 step program!!!!

[cracksmeup]

Ok, so I said I wasn't going to apply for anything else for a while.  Sadly, I lied   I went to Boscov's to buy an air conditioner for my son's bedroom.  They were on sale for $99.99.  The cashier told me I could get 15% off if I applied for and used the store credit card today.  I did, and was instantly approved with a $1300 CL!!!!  My highest one yet.  It's through Capital One.  Going to seriously try to not app for ANYTHING else.  I'm supposed to be applying for a mortgage in Nov/Dec.  I hope the 3 recent apps isn't a deal breaker. 

[noobody]

so you take a HP to get a $15 off, it's so not worth it imho.

If you do not shop there often, high CL doesn't mean much.

I bet most people here would glad to pay $100 to remove a HP from their CR, if they could.

[nada9188]

+1. $15 for a hp??

[webhopper]

Not a good move considering that your scores are borderline for the mortgage anyways. I would say that this was a poor use of an inquiry

[Repo-ed]

I get people to apply for our store card to save $2-3 bucks all the time.

Don't feel bad about getting taken for $15.

[android01]

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@cracksmeup wrote:

Ok, so I said I wasn't going to apply for anything else for a while.  Sadly, I lied   I went to Boscov's to buy an air conditioner for my son's bedroom.  They were on sale for $99.99.  The cashier told me I could get 15% off if I applied for and used the store credit card today.  I did, and was instantly approved with a $1300 CL!!!!  My highest one yet.  It's through Capital One.  Going to seriously try to not app for ANYTHING else.  I'm supposed to be applying for a mortgage in Nov/Dec.  I hope the 3 recent apps isn't a deal breaker. 

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STOP!  If you want that mortgage.  As others have mentioned, a $15 savings is not worth jeopardizing something that is truly important.  

[android01]

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@android01 wrote:

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@cracksmeup wrote:

Ok, so I said I wasn't going to apply for anything else for a while.  Sadly, I lied   I went to Boscov's to buy an air conditioner for my son's bedroom.  They were on sale for $99.99.  The cashier told me I could get 15% off if I applied for and used the store credit card today.  I did, and was instantly approved with a $1300 CL!!!!  My highest one yet.  It's through Capital One.  Going to seriously try to not app for ANYTHING else.  I'm supposed to be applying for a mortgage in Nov/Dec.  I hope the 3 recent apps isn't a deal breaker. 

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STOP!  If you want that mortgage.  As others have mentioned, a $15 savings is not worth jeopardizing something that is truly important.  

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Walmart became what it is today because people would prefer to buy something there for $9.92 instead of $9.99 elsewhere. 

[cracksmeup]

Actually, don't feel like I was taken at all. I'm going to need a new washer soon, and plan to buy it there. I also shop there quite frequently and having the card allows me to get additional savings offers in the mail. I'm fine with others opinions though, if not I wouldn't post on the boards. For me, the card was a good choice. Plus I was excited that I got a fairly good limit.

[android01]

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@cracksmeup wrote:
Actually, don't feel like I was taken at all. I'm going to need a new washer soon, and plan to buy it there. I also shop there quite frequently and having the card allows me to get additional savings offers in the mail. I'm fine with others opinions though, if not I wouldn't post on the boards. For me, the card was a good choice. Plus I was excited that I got a fairly good limit.

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I don't think anyone is jamming you for your decision.  Your goal of a mortgage is far more important as a lifetime decision and commitment than $15, or a washer.  I think the lesson is to think strategically rather than tactically.  It's not an easy thing to do! 

[bettercreditguy1]

It was once said  by a major department store, "if you have a store branded cc you spend about 27% more per visit" than if you use cash. Simple, emotions rule, not true needs.

Speaking guy talk, they knew if you purchased a business shirt and tie for cash. With credit they may sell you an extra shirt and more ties.