Re: whats wrong w me!!

staifokuzed · ‎05-13-2013

Congrats and you got a few months in mandatory rehab. I mean gardening. Put a fraud alert and freeze. That slowed me down. Guarantee for no instant approvals. Makes you think and each inquiry will cost real dollars.

AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5

dddfresh · ‎05-13-2013

I dont really carry much of a balance...I honestly thought it might be used as some sort of leverage to get the application approved if they were going to make a little money off of me out the gate...maybe stupid? not sure. I actuallly applied online and put $1500 balance transfer but he said he could only give me a $1500 limit so i took it way down to 500 which i can pay off immediately

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13

dddfresh · ‎05-13-2013

you are definitely right about REHAB

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13

CreditScholar · ‎05-13-2013

@dddfresh wrote:
I just applied for the Discover IT card because MYFICO decides to shove it in my face and its all over the hockey game thats on right now. I decided to apply online and they said it needed to be reviewed, but I could call to expedite the process. SO i did and they asked why i had a million inquires and i wanted to tell them because I am a junkie, but he approved it for $1500 and i balance transfered $500 over to it.

But seriously, I just got Amex Green, B of A 1-2-3, Wal Mart, Barclays Apple, this month...and chase southwest, freedom, two navy fed cards, and im probably forgetting something else or three.

I think I have "prime cards" and coming from First Premier Bank before I found this fourm, I should be estatic (and i have been) for getting any of these cards.

Why do i keep applying!?

Lack of self-disicipline is a likely answer.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

myjourney · ‎05-13-2013

@dddfresh wrote:
you are definitely right about REHAB

REHAB & electronic surveillance

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

SnackTrader · ‎05-13-2013

@ddd

Ok - I believe you about the BT. But please (and this goes to everyone reading), be careful about new accounts and carrying balances. Remember, one month interest or one BT likely outweighs multiple months of rewards. Plus, it is widely considered risky behavior for a reason, it is a difficult cycle to break without significant discipline.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015

dddfresh · ‎05-13-2013

very true!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13

LS2982 · ‎05-13-2013

CONGRATS!!!

EQ FICO 548 3/3/16

09Lexie · ‎05-13-2013

Report immediately to the garden!

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myjourney · ‎05-13-2013

@09Lexie wrote:
Report immediately to the garden!

Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

whats wrong w me!!

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