my app itch!!!

[afbar1114]

i think i figured out my app itch...i app because i want more credit..i used to app because i wanted a better card ie zync,chase,BoA, and other prime cards. now that i do have prime cards i want higher limits.. i wanted these cards because of the points or rewards system they have. now that i will be getting 123 card with 3% CB on gas i think ill be happier then i was and if i let every thing age and use the cards right i will soon be getting larger limits.

i am not collections free. no mor collections out there. i just need to wait and let the ones on my reports fall off. all baddies should fall off by 2015. one is due to fall off this year. 7 inqs due to fall off or no longer count towards fico by 7/2012 and another 8 by 3/2013. this is all on EQ. TU only has 6 inqs all together. so thats not a big deal to me.. EX i havent checked recently but last score i got was from BoA and it was 671 FICO. so it can be that bad. overall UTL has been 25% or less for the past few months... trying to get it even more down... but it has not been more then 30% since feb. 

i would like to know would it be better to get a)whole new freedom to take adavantge of cash back offers and keep slate and maybe get a higher limit or b)pc from slate to freedom forgo the CB offer and AAoA wouldnt change. if i chose A my line up would look like this:

Slate

Freedom

Zync

BBY

Kohls

123 BoA

if i chose B my line would like this:

Freedom

Zync

BBY

Kohls

123 BoA

i will be keeping my jared card for the time being since its my highest limit card. 

Home depot will be closed at one year mark and both cap1;s will be closed when paid..

thanks for any help

[crunching_numbers]

You scared me there. For a moment I thought you were itching to app again.  Do not app Appbar! Stay strong and garden those cards. That will get your limits up all on its own.

[afbar1114]

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@crunching_numbers wrote:

You scared me there. For a moment I thought you were itching to app again.  Do not app Appbar! Stay strong and garden those cards. That will get your limits up all on its own.

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no i have no itch nor do i want to app right now..i just realized what my app itch was and now i know i can work on it.. i do plan on a CLI for slate in june and six month mark  for 123 card 

[drkaje]

Why obsess on the Freedom when Chase is so bad about CLIs?

I get that some cards are considered prime but it just seems like other products would satisfy the itch better.

[LS2982]

Appbar Jr:

Take a step back and breath......................

Forget about CLI's and apps and all of that for 6 months...........

Then get a plan going for how your going to get CLI's and better cards..............

[afbar1114]

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@LS2982 wrote:

Appbar Jr:

Take a step back and breath......................

Forget about CLI's and apps and all of that for 6 months...........

Then get a plan going for how your going to get CLI's and better cards..............

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thats what i am trying to do now get a plan... so i have a goal set in mind.. i need a goal to work towards if not ill jsut keep apping

[pizzadude]

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@LS2982 wrote:

Appbar Jr:

Take a step back and breath......................

Forget about CLI's and apps and all of that for 6 months...........

Then get a plan going for how your going to get CLI's and better cards..............

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+1.   Also i recommend that you take the next 15 minutes or so to watch This Important Video

[LS2982]

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@pizzadude wrote:

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@LS2982 wrote:

Appbar Jr:

Take a step back and breath......................

Forget about CLI's and apps and all of that for 6 months...........

Then get a plan going for how your going to get CLI's and better cards..............

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+1.   Also i recommend that you take the next 15 minutes or so to watch This Important Video

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LMAO!!!!!!!! +1,000!!!!!

[drkaje]

Too late, Pizzadude.

[LS2982]

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@drkaje wrote:

Too late, Pizzadude.

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Did I miss an app??