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I think I need to stop

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Anonymous
Not applicable

I think I need to stop

Since the beginning of February
BofA Cash Rewards 2k
US Bank A/E 500
Evine $1500
Walmart MC 1k
Discover 2k

Inquires are high, AAoA low, util 9%.

What's the secret to not apping? It is one heck of an adrenaline rush.
Message 1 of 49
48 REPLIES 48
tcbofade
Super Contributor

Re: I think I need to stop

Willpower.

 

It really is that simple.

 

...and it really IS that difficult.  Smiley Happy

 

You can do it.  Put the mouse down and back away from the keyboard. 

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 2 of 49
Anonymous
Not applicable

Re: I think I need to stop

What I like to do when I get the app itch is to full out the app and then close the browser lol is that weird?

Message 3 of 49
Anonymous
Not applicable

Re: I think I need to stop

 

adreline rush huh, especially when you know your profile is worthy of an itching app. then comes who deserves me and who will say approved right away versus pending and will let you know in 30 days or 7 days whatever.

 

ooooo hhhhhh that feeling. inside my bone its goes electric.

Message 4 of 49
Anonymous
Not applicable

Re: I think I need to stop


@Anonymouswrote:

What I like to do when I get the app itch is to full out the app and then close the browser lol is that weird?


I do that when the urge arises.

Message 5 of 49
ToughFistFight
Frequent Contributor

Re: I think I need to stop

Please report to the garden immediately. Turn off your computer and have a cup of something. They can help you with your issue.
We all go through this. When you are finally allowed credit. Now it's time to take care of those cards and watch your score grow. Slowly, but surely. It's a marathon, not a sprint. Congrats!

Chase Business Ink 20k PenFed Plat Rewards VS 25k NFCU Go Rewards 20k BECU 30k Chase FU 6k GM Biz 21k NFCU Flag 21k Amex BCP 26k Disco IT 18k FNBO Biz 11k Costco Citi Biz 8.1k Amex EDP 2k Gold Delta Skymiles Biz 5k Amazon Prime 10k USBank Cash 12k Amex Biz Plat Rewards NPSL Amex BCB NPSL
Message 6 of 49
chaos51
Regular Contributor

Re: I think I need to stop

I made a list of cards that I can benefit from, and I only even consider that list. I think I'm at the point where the only cards I know I won't get approved for are 5/24 cards, and the cards that are available don't really provide more benefit for me than what I already have. It's not just self control, it's knowing what is more valuable to you... smaller limit / greater risk now? larger limit / lower risk later?

Total Revolving Credit Limit: $306,900
Pay Over Time Limit: $85,000
Fico 8 Scores: Ex: 751, TU 751, EQ 741
Message 7 of 49
MrDisco99
Valued Contributor

Re: I think I need to stop


@Anonymouswrote:

What I like to do when I get the app itch is to full out the app and then close the browser lol is that weird?


I'm glad I'm not the only one who does this.

Message 8 of 49
Kforce
Valued Contributor

Re: I think I need to stop


@Anonymouswrote:
What's the secret to not apping?

Not visit the "My-Fico" forums !!

Message 9 of 49
Anonymous
Not applicable

Re: I think I need to stop

How does one report? I really need to do this.
Message 10 of 49
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