@Anonymous wrote:
@Brian_Earl_Spilner wrote:I have a drink, or 5....
Do you drink before the app, after, or a little of both? It helps relieve stress that's for sure haha.
I actually rarely drink. When I do, it's an adventure.
@pinkandgrey wrote:
@Anonymous wrote:I'll read through approvals and then do mental gymnastics to tell myself I'll have a chance of approval on app
Whether I do get approved is another situation
My strategy is quite similar to this lol. I'll add that there's a lot of "Ok, I'm going to do it. No I'm not. Ok, go for it. No, it won't work. Hmm I'll just try....No, no, no chance."
I'm too jaded at this point. I just pull the trigger. Either I'm approved or I'm not. If I'm not, the letter will tell me what I need to work on.
@Ficoproblems247 wrote:When I request a CLI I pull the card out of my wallet and slap it down on the desk. Right next to my drink.....or 5.
Very nice, grasshoppa
My typical ritual goes something like this:
"What's the worst that could happen? A couple points lost from the inquiry? Whatever, I want the card."
followed by...
"Dangit. Oh look, an email from Experian saying I lost 5 points."
Total Loan Balance: $43k / $65k
Total SL: $78k
I have nothing too amusing, other than my one-time spite app. New Years 2016/2017. Asked for a CLI on my then 10 year-old Freedom card that was at $3700. Denied. Denied again on recon after full interrogation about every single balance shown on my reports from analyst. Two HPs and no CLI.
Noticed I had a green check mark offer for CSP, entered income and housing data, instantly approved for $12,000 at lowest APR offered for the card. Approved a few months later for a Slate at lowest APR and received my first and only Chase auto-CLI of $1500 on Freedom around the same time. After the spite app, Chase seems to like me now. Got a $14k CLI on CSR and picked up Freedom Unlimited for $15k last year.
I only did it once, but I would make spite apping a tradition. 😂
Really my only tradition these days is overconfidence when submitting an app and that brief flash of "what did I just do?!?" as soon as I click submit.
@Brian_Earl_Spilner wrote:
@pinkandgrey wrote:
@Anonymous wrote:I'll read through approvals and then do mental gymnastics to tell myself I'll have a chance of approval on app
Whether I do get approved is another situation
My strategy is quite similar to this lol. I'll add that there's a lot of "Ok, I'm going to do it. No I'm not. Ok, go for it. No, it won't work. Hmm I'll just try....No, no, no chance."
I'm too jaded at this point. I just pull the trigger. Either I'm approved or I'm not. If I'm not, the letter will tell me what I need to work on.
Don't even think about it just do it. Go straight in headfirst. It works for some people and I believe most people do that.
No rituals here, but I have noticed every time I app for a CC, its past midnight 😴😵 Then I wake up in the morning and see all the emails 😱
The more of these that you have on a Citi card list of transactions...
...the better your SP CLIs will be....
Alcohol increases credit limits. I learned that from these forums and a stuffed penguin at a bar in New Hampshire.