Itchy hands

[Anonymous]

Hi everyone! So how one manage to not apply for credit cards? In my case I have enough credit cards, I don’t need any right now or in the near future but sometimes I get itchy hands and want to apply. But then I talk myself out of it because: 1. I have enough in CL and I don’t need more cards 2. I want my reports free of HPs
Do you guys get itchy hands?

[Anonymous]

Daily

[Anonymous]

I did last year and I gave in. Opened seven cards. I’m approaching four months on the wagon now. Plan is to age to at least six months before going for a CU card or two from my local CUs.

[Anonymous]

You’re definitely not alone! I’ve been getting “itchy hands” everyday for the last week, but managed so far to talk myself out of it since I’ve maintained my garden since 2018.

[Ficoproblems247]

I constantly hit up all the prequals. Not sure if that helps or makes it worse! 😂

[Anonymous]

I have the itch all the time so I hang out in the garden with the other people who have the itch all the time. 

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-January-2020/td-p/5859620

Somehow it works. I'm going to have 4 months without apping for anything around the 13th. Actually 5 months since last app but I got a HP for a credit limit increase in October and I'm still counting it even though my TU was frozen at the time and the letter I received from Citi confirmed that it was. Too lazy to fight with TU about it. 

Anyway, when I'm feeling weak I also avoid the approvals forum. 

[Anonymous]

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@Anonymous wrote:

I have the itch all the time so I hang out in the garden with the other people who have the itch all the time. 

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-January-2020/td-p/5859620

Somehow it works. I'm going to have 4 months without apping for anything around the 13th. Actually 5 months since last app but I got a HP for a credit limit increase in October and I'm still counting it even though my TU was frozen at the time and the letter I received from Citi confirmed that it was. Too lazy to fight with TU about it. 

Anyway, when I'm feeling weak I also avoid the approvals forum. 

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Don't mean to get off topic but I had the same thing happen in December. Frozen report, hard pull on TU through the freeze. I got different stories from TU. Once rep told me that since I already had an account with that bank they can HP through a freeze. Another rep told me its more likely the freeze was not processed in time because the computers were backed up. It was about an hour or two between freeze and hard pull. Anyway like you I did not bother fighting.

[M_Smart007]

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@Anonymous wrote:
You’re definitely not alone! I’ve been getting “itchy hands” everyday for the last week, but managed so far to talk myself out of it since I’ve maintained my garden since 2018.

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@Anonymous  Congrats on sticking with your Garden goals!  .. It will pay off

[wasCB14]

Be careful with discussions of selective freezing...

I don't really have much appetite for new cards right now. I have 17 and plan to trim a little. But I definitely felt the itch when I had a thinner file.

I've never done sprees. I like to space applications and closings out. What I need in a card can change, and spacing gives me flexibilty to get when I want when convenient or during a special promotion.

[Andypanda]

I have a bad case if the itch. If you have your own buisness you can satusfy the itch with certisn buisness cards without affecting your fico scores.