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I need willpower! Or the App Addicts thread.

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MarineVietVet
Moderator Emeritus

Re: I need willpower

It's not that hard to do. My youngest card is over 6 years old.

 

It's just like quitting smoking. If you want to stop you will.  Smiley Happy

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 11 of 95
Smug
Established Contributor

Re: I need willpower

Way to go maybe I should change the title to confessions of hitting the Apply now button.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 12 of 95
Smug
Established Contributor

Re: I need willpower

I have no balances on any of my 3 new cards and I will keep it that way and just put a star bucks on it once a month, I need it to grow to get some decent credit, ok is everyone ready ....lol
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 13 of 95
Anonymous
Not applicable

Re: I need willpower

I'm right there with ya Smiley Wink. I had an episode a few months back as I was app'ing my little heart out until I applied for a CC from US Bank and got an approval for $1,500 then it was "noticed" that I had app'd for credit way too many times ,way to soon (according to them) so they lowered it by $1000-OUCH!!! that was the brick wall I  hit, so with that experience, I STOPPED completely! Doesn't mean that I was close to app'ing again but remembered my experience so it made me exit outta the application. I am going to let my garden grow because I really want a new car this time next year and I wanna go in there very well prepared to get what I WANT..lol...not what my credit will allow me to. Beginning the new year with better credit and hope to end it with excellent credit.....Good luck to ya!

Message 14 of 95
Smug
Established Contributor

Re: I need willpower

I do feel your pain... I would love to be able to go a full 2 years with out a app but I wonder if that's just to much for me to stand
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 15 of 95
Smug
Established Contributor

Re: I need willpower

Check out my sig..lol
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 16 of 95
Anonymous
Not applicable

Re: I need willpower

Gee and I feel like I have a lot of cards. I have AMEX Zync, AMEX Blue Sky Preferred, Chase OnePass Plus, Citi Thank You Preferred, Banana Republic, Home Depot, and Nordstroms.  I have 7 credit cards...I feel like I have too many! hehe.

 

I have no reason to app for anything next year unless it's an emergency, though all my mortgage inquiries will fall over in March/April next year thankfully. I'm going to let cards age and new accounts to settle.  I lost a few months off of my AAoA opening BR, Nord, and Chase...so I'll have to be careful. Just hope AMEX doesn't get worried. If they FR me I'll just close 'em, no big deal. Smiley Wink

 

Message 17 of 95
Smug
Established Contributor

Re: I need willpower

I thought I was declined but found out I am getting a few I applied for but do a freeze they need to send a letter, guess I have a few more coming....makes it easy to stick to my plan.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 18 of 95
UFGuy2006
Established Contributor

Re: I need willpower

I also feel you - last few months resulted in 3 new cards and yesterday was approved for another. I have a total of 10 (sigh i know) all no balances and decent limits... goal is to have no more apps through the end of this next year. Wish me luck (and good luck to you)!

Message 19 of 95
Smug
Established Contributor

Re: I need willpower

Good luck my friend..
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 20 of 95
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