I'm addicted to CC applications.

Anonymous · ‎12-03-2014

Just got approved for a 5000 chase card. I had real bad scores and now there all in the 600's and climbing but I keep apppying! I need to stop

juggar · ‎12-03-2014

@Anonymous wrote:
Just got approved for a 5000 chase card. I had real bad scores and now there all in the 600's and climbing but I keep apppying! I need to stop

Dont worry, you'll start getting declined soon enough. And then you'll have to call for recon and then eventually that doesnt work anymore.

I recently got some 20K+ in credit cards/ CLI's and it is certainly time to garden for at least a year to let the inqs fall off or stop hurting me.

Amex Green, Chase Freedom(7.5K), Nationwide Visa Signature(6K), Chase Sapphire Preferred(6k), Cap One VentureOne visa signature (5K) BoA Cash Rewards siggy (5K), BoA travel rewards visa siggy(5K) PayPal Extras Mastercard(5K), Capital One QuickSilver(2.25K) Newegg Preferred Account(2K), Citi Forward(3.4K), Dell Account(2K) Discover IT(2.4K), Chase Slate (1.5K) Citi Diamond Preferred ($800), BestBuy Mastercard ($1500),Bill-Me-Later(1.2K), ,Barclay Mastercard(2K). TigerDirect TigerPay(3.15K), Wal-mart credit card(3.9K), Amazon store card (2K)

equifax - 720, TU - 747, Exp - 734 - report date 11/24/2014
15+ inqs...

Anonymous · ‎12-03-2014

I have like 10 plus inquiries on each report. I need to relax for a year.. stop applying.

MarineVietVet · ‎12-03-2014

@Anonymous wrote:
I have like 10 plus inquiries on each report. I need to relax for a year.. stop applying.

That sounds like a very good idea. Gardening can be very relaxing.

mongstradamus · ‎12-03-2014

I would try to come up with an plan , instead of just apping for whatever you can get right now.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

RobertEG · ‎12-03-2014

How about, as an alternate plan, making sure you are now opted-in, and then limititing any new appls to only those that are offered by a pre-approval offer based on your name having been obtained from a CRA screening.

Those types of promotional offers where the creditor has obtained your name from a listing provided by the CRA are not junk mail, as they are a "firm offer for credit" that must be granted if you app and are found to still meet the criteria they provided to the CRA to obtain their listing. If no bad marks have occured, then your application will stand a solid chance of approval should your application addiction take control.........