@BuckyB wrote:I have not one horrible credit card mistake but three and, even worse, they're recent.
NFCU nRewards: I'd just opened my Navy Federal account and was chomping at the bit for one of their cards to further my "relationship" with them. They denied me for everything but the nRewards so I put down a $500 security and opened it. Then a week later I was approved for...
NFCU More Rewards: My dumb self didn't know that Navy Federal does not combine rewards from its cards. Nor did I know that one has to accumulate $50 in rewards to even get the rewards, so the <$50 1% rewards I got from the nRewards card are lost because at 1% I will never use it again. A week after I was approved for the nRewards card I saw that I was pre-approved for this one, so I opened it. $500 limit! I already have a Savor One so this is pointless and the $50 minimum reward redemption means it will never be used.
Amex Cash Magnet Card: Admittedly I was drunk when I applied for this. Even worse, I was in pop-up jail and still accepted the card!!! $1000 limit. Totally worthless because I already have a 2% cash back card. The Cash Magnet card is Amex's worst card. I will never use this card. Lesson: don't drink and apply for credit.
Surely nobody can do worse than that. I totally trashed my average age of accounts for: three new cards with a total $2000 limit, none of which I will ever use.
I quickly regretted opening the Citi Shop Your Way card. I hated everything about it, especially getting paid in gift cards instead of money.
I quickly regretted opening the Eddie Bauer card, just because it was a low limit store card; I needed it like a hole in the head. I applied just because I empathize with retail employees who don't make much money, and get small bonuses for signing up credit card customers.
It took a while for me to come to regret getting the Amex Business Platinum card, because I spent so much on it in annual fees; it was almost all money down the drain. I hated to let go of it, thinking that maybe someday someone would be favorably impressed that I had one. I was a fool.
I'd say probably my Apple card. I apped back when it first came out because it was supposed to be the next best thing and quickly discovered i have no real use for it, now it sits in my sock drawer. Besides that I have a Sportsmans guide Visa and Boscovs card I picked up in the beginning of my rebuilding via the SCT and like the Apple card they sit in purgatory.
@BuckyB wrote:
@SouthJamaica wrote:I quickly regretted opening the Eddie Bauer card, just because it was a low limit store card; I needed it like a hole in the head. I applied just because I empathize with retail employees who don't make much money, and get small bonuses for signing up credit card customers.
Well you took one for the (retail worker) team there. Hope they would do the same for you!
It took a while for me to come to regret getting the Amex Business Platinum card, because I spent so much on it in annual fees; it was almost all money down the drain. I hated to let go of it, thinking that maybe someday someone would be favorably impressed that I had one. I was a fool.
I feel you brother, I was hoping someone would be impressed with my gold card but ... like.. who, right? Bartenders? Waiters? First off, who cares (unless they're cute and single) and second... they've seen every **bleep** card before and only care if it goes through and what kind of tip you give them. Like with fancy watches, no one cares except you and gold-diggers, whom you want to avoid anyway.
Exactly. If you're buying someone lunch, e.g., they don't care what the card is. It could be a Verve card for all they care.
The only card I ever had that made a good impression was my Spiderman card. That usually got me a smile from the cashier or salesperson 
@BuckyB wrote:
@SouthJamaica wrote:I quickly regretted opening the Eddie Bauer card, just because it was a low limit store card; I needed it like a hole in the head. I applied just because I empathize with retail employees who don't make much money, and get small bonuses for signing up credit card customers.
Well you took one for the (retail worker) team there. Hope they would do the same for you!
It took a while for me to come to regret getting the Amex Business Platinum card, because I spent so much on it in annual fees; it was almost all money down the drain. I hated to let go of it, thinking that maybe someday someone would be favorably impressed that I had one. I was a fool.
I feel you brother, I was hoping someone would be impressed with my gold card but ... like.. who, right? Bartenders? Waiters? First off, who cares (unless they're cute and single) and second... they've seen every **bleep** card before and only care if it goes through and what kind of tip you give them. Like with fancy watches, no one cares except you and gold-diggers, whom you want to avoid anyway.
That's a good point since I almost exclusively use Applepay so nobody knows which card I'm using anyway..
