I am posting this question because I am one of those who loves reading through the approval threads, congratulating members who had recent success with their applications. Sometimes, when I read up approval stories, and some new posts about new great looking cards or competative cards that get launched, I often find myself opening a new window on the lender's application landing page, then i close it immediately! 
I find myself going back and forth if I should apply now or LATER. With the recent competative cards that have been launched/ relaunched it really makes it challenging to stay rooted in the garden (talking about myself). As of right now, I am trying my hardest to commit to gardening until December of this year (i hope). But seeing more and more of these new cards getting launched definitely makes it difficult. So I ask anyone, what other effective tricks have you implemented to help curve those urges to apply for a new card.
That's easy, if it's not MR, UR or AA I don't want it. All my business and personal spend is centered around these reward programs.
For the moment I don't need any AA SUBS, I have a crap load of miles anyway.
Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
I know, I want to, but it's easier said than done 
I did recently tried some of the ff:
- Changed my Discover IT design from Garnet to Greenery (for summer) it made me feel as if I had a new card
- Upgrading my BCE to BCP (No annual fee for first year with a $150 SUB for 2K Spend) had me something to work towards so I get the SUB and about $400 away from reaching the goal.
- Using this time to build new relations with a bank that I would eventually want to have a CC product with (aka Chase) got a new checking account with them and recently had completed the SUB as well for opening one.
I also have an existing offer to upgrade the AMEX green to the PRG with a 40K MR offer for a 2K spend, but I am trying to hold off until I know for sure that I would be able to justify the annual fee. Since it's immediately enforced once I accept the upgrade. I am traveling this year, but not overseas so I don't think it would make sense, but I do like that 40K MR offer. I can add the ED card next year to bank those rewards points I've earned.
@Anonymous wrote:
Work lots of OT...
Pay down what you can. Stay ahead of payments.
Eat.sleep.gym. miscellaneous....
Stay on forum and live vicariously through other's approvals lol
LOL! That's actually what I've been doing over and above the one's I've mentioned. I definitely need to find another hobby while at work. This forum has kept me entertained while I am working. I think I've outgrown FB so I don't go on as much. I am definitely working to pay down a balance that I had recently moved from AMEX to Disco, that would be fully paid by Sept. so as that happens, my scores have actually lowered so another excuse to stay firmly planted.
Easy, I ask myself these 3 questions:
1. Does it have a SUB?
2. Is it no-AF or at least waived in the first year?
3. Can I meet the SUB spend without resorting to MS?
If any of the answers is "no" then it's an auto-denial. Only recon allowed is for the "no-AF" part if the SUB is large enough to offset the AF for a decent net gain.
