i am just curious about apping

[Anonymous]

@iwantafabulousfico omgoodness!!! same here!!!! I keep telling him step by step what he can do and he just keeps postponing it.

[Anonymous]

I've gotten to the point where credit apps that come back denied say I have an excessive amount of credit so I think that's kind of putting things into perspective for me. I'm about to switch into internship mode for my graduate degree making only $21k, and yet I'll have $22k available in credit. There's really no need for all of this.

[Anonymous]

Most of the credit cards I acquired last year were well chosen. I just chose well… too many. The score drops do not tick me off like a denial for a card I should easily have gotten with same score no new accts. Blisspay, Marvel would be my personal examples

[Anonymous]

Jay you were looking at credit limits wrong if your limit is 21000 never ever charge up more than 4,500. It's like the red line on a car you don't go that high the happy area is way down below

[Anonymous]

If you have a $21k card you can charge up to $21k on it if you want. Just pay it down to under 30% before the statement cuts so it doesn't report that high. I think the more common misconception is people thinking they can only use 30% of their credit limit before hurting their score but that simply isn't true. You can use 100% but just pay it down. The bureaus only see the statement balance, not the total high you've ever had.