Credit is addictive, ever satisfied?

[PrimeHokage]

Not sure is this is the right place for this but I've been on the site for a little less than two years and thanks to you guys I got my scores from mid 500s to mid 700s. In that time I have learned that credit is addictive. What I mean by that is I want higher and higher credit limits and pre-approvals from cards I don't even want or fit my spending habits or needs. I have finally got to a place where I have a system of cards that fit me but I want bigger limits. I guess what I am asking is do you ever become satisfied and guess go in to the garden for ever? What goals did you set that were once I get there I am done?

[Moneyklutz]

I don't think my experience will apply towards everyone else here but after went through the proverbial ugly divorce and subsequent journey to rebuild my credit and life, I started learning the wisdom shared on this site like you and all I wanted was a leg up on how to get back to "normal".  8+ years later I'm there (mid 800's and PIF on all every month) and I look at each credit card I have now and possible future ones just like I do the tools in my shop. 

Do I need something specific for the benefit it offers?  ...then I work towards getting it. (ooh lookie! a BANDSAW!)

Do I need a larger CL for utilization?   ...time and usage can make that happen. (sharpen that chisel till it cuts without effort)

I'll always return here to continue honing the cards I have (and may get) to the best possible edge but I'm content now. 

I never really had an end goal clearly defined, but once I got there, it was clear to me inside that more cards "just to have them" brought no emotional reward.    

[Kforce]

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@PrimeHokage wrote:
Not sure is this is the right place for this but I've been on the site for a little less than two years and thanks to you guys I got my scores from mid 500s to mid 700s. In that time I have learned that credit is addictive. What I mean by that is I want higher and higher credit limits and pre-approvals from cards I don't even want or fit my spending habits or needs. I have finally got to a place where I have a system of cards that fit me but I want bigger limits. I guess what I am asking is do you ever become satisfied and guess go in to the garden for ever? What goals did you set that were once I get there I am done?

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This forum has a majority that are addicted  to getting cards, asking for CL increases, lowering APR's, and changing the deck.

However a few of us have a natural resistance.

[M_Smart007]

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@PrimeHokage wrote:
Not sure is this is the right place for this but I've been on the site for a little less than two years and thanks to you guys I got my scores from mid 500s to mid 700s. In that time I have learned that credit is addictive. What I mean by that is I want higher and higher credit limits and pre-approvals from cards I don't even want or fit my spending habits or needs. I have finally got to a place where I have a system of cards that fit me but I want bigger limits. I guess what I am asking is do you ever become satisfied and guess go in to the garden for ever? What goals did you set that were once I get there I am done?

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[Andypanda]

Yes I'm addictied. But even with more cards, ir higher cl, i will not spend more. I only buy stuff i eoukd have bought if i was using cash or debit. As the addiction is costing you money, i fon't have a problem with it.

[tcbofade]

Not sure if satisfied is the correct term, but I got to a place where there is nothing out there that is better than what I have.  

I am still carrying balances, but they're ALL at zero or 1.99 percent.  

It's hard to borrow money for less than free...  

[Gmood1]

@Kforce
Look at it this way.You're the Yin and I'm the Yang. 😂
In nature there must be a balance. Well I'm that counterbalance for you.😉
For every spend bonus, CLI, 0% transfer offer you pass on. I'm here to scoop them up for you my friend.😆
Know that I'll always be here for you.🤗

As Obi-Wan Kenobi and Yoda instructed Luke. To embrace the force. Well I've embraced it. 😬😂

[GApeachy]

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@PrimeHokage wrote:
What goals did you set that were once I get there I am done?

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Past searches will reveal a lot (me for one) of peeps eating their words.   Credit is better than chocolate!

Goal forward in credit health! 

[Save-n-Invest]

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@GApeachy wrote:

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@PrimeHokage wrote:
What goals did you set that were once I get there I am done?

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Past searches will reveal a lot (me for one) of peeps eating their words.   Credit is better than chocolate!

Goal forward in credit health! 

Heresy!

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[M_Smart007]

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@GApeachy wrote:

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@PrimeHokage wrote:
What goals did you set that were once I get there I am done?

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Past searches will reveal a lot (me for one) of peeps eating their words.   Credit is better than chocolate!

Goal forward in credit health! 

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I want both ..