Would Any One Like to Join Me????

[OMW2_HighAcheiver]

I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply!  Sort of a support group.  Anybody with me?

[Anonymous]

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@peaved_about_credit wrote:

I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply! Sort of a support group. Anybody with me?

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Sounds cheesy, but I think it's a good idea. It will definitely help me from applying for new credit cards if I have someone screaming down at me, "CONTROL YOURSELF, **bleep**!" lol

[Anonymous]

I went four months between apps and only applied then because I needed to make a large purchase.  I don't play that app game anymore because it did more short-term harm than good for me personally.  Maybe in a year or two I'll apply for something or will apply again if I have to make another large and necessary purchase.  However, for now, I'm perfectly content with what I have and the score increases I've gotten as a result.

[Anonymous]

Once I get my scores above 700, I'm gonna go out and apply for an auto loan. Actually... does anybody think using your high limit credit card is a good idea to buy a car instead of spending the hassle of getting a loan???

[Anonymous]

NO WAY>>>> Get an auto loan,    Its fixed and is simple intrest.

[Anonymous]

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RockSolid wrote:

NO WAY>>>> Get an auto loan,    Its fixed and is simple intrest.

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Not too mention that if you use your cards, you'll murder your utilization and who says you won't need to make another large purchase and need that high score still.

Just go to a bank or credit union you are comfortable with and apply to be pre-approved for a certain amount, then you can go to the dealer and work out a good deal on the car, without having to worry about financing and interest and all the other ways they try to screw you over at car dealerships.

In the end, you'll find that this will most likely be much less stressful and troublesome.

Just my thoughts...

[Anonymous]

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peaved_about_credit wrote:

I would like to begin a thread that keeps track of how many days, months, weeks, hell even years those of us who are addicted to applying for credit DON'T apply!  Sort of a support group.  Anybody with me?

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Count me in I am at day 1........

[ccaddict]

1 month for me. what really stopped me was 2 denials. :/

[Anonymous]

2 days for me....I applied over the weekend for 4 cards....what stopped me for a little while was having 44 inq's on my TU. Got it down to 12 now I'm good to go...

[Anonymous]

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RockSolid wrote:

NO WAY>>>> Get an auto loan,    Its fixed and is simple intrest.

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After I got the loan ,I charge the card on my rewards card, and send the loan to the CC