It's hard to regret most of my accounts because I can't say what did or didn't help. For instance, I have no use for the Self Lender loan now since I have a car loan. But, maybe Self Lender helped me get the car loan. Of course, this thread is asking about "cards", not "accounts," so I guess Self Lender wouldn't be a valid answer anyway.
Cards that I do not think did me any good (but I could be wrong) are Primor Green Dot secured and Capital 1 Platinum secured.
I think Citi opened the door to Discover and I think Discover made it easier to get some other stuff like the Amazon Store Card, the car loan and the Coastal signature Visa.
Overall, I'm fine with how things have gone. But I do shake my head every time I look at my list of accounts and see Primor (which I got only because I was frustrated I didn't get Discover, and then, I got Discover the next day) and to a lesser extent Capital One (didn't realize it never graduates, and it took so long to show up on my reports that by the time it did, I had other stuff that served the same purpose).
Hands down my biggest regret is the Barclay Apple Rewards (October 2018)
I was buying a new MacBook Pro for myself and an iPad Pro for the wife and it seemed like a good choice. However, the limit I recieved was too small to use for my intended purchase. Recon was unsuccessful so, in the SD it went. That said, even if I had been able to use to the card, it still would have been a poor choice because the rewards are subpar (3%). I benefitted far better using my Discover card for the purchase.
But Wait, There's More! Having recently been denied the Altitude Reserve for "too many new accounts," I can only wonder if it would have turned out differently had I not gotten that d@mn Barclay card.
Yes. I should have app'd for NFCU Cash Rewards instead of the Go Rewards.
Just curious if anyone has any credit cards that looking back you just think, why did I do that!
I have one that I look back on and not sure what I was thinking. Barclay.... It was somewhat the early part of my rebuild - roughly four or five years ago. Not sure what had me looking at Barclay, but I went ahead and applied and was approved for $7K, one of my lowest limits. I have not used the card much at all and really don't think it brings much to the table. It is probably the least productive card I have, in multiple areas.
Anyone else have a card that you question of the existence of?
Capital One (no, not Credit One).
I was younger, dumber, and I took the bait that I was somehow special because I received a letter in the mail approving me for one of their cards. The rewards were very meh and they're just generally not worth my time or effort. I think part of me was thinking that I needed to work my way up to better banks by dealing with the lower banks, but it turned out Chase and Citi were both waiting for me from the get-go and I could have just started right off with them.
Used to have a draw full of department store cards (single use) and had to scrub my profile of them as I could not use all of them. Most have dropped off my credit profile but there used to be at least nine. After having come on board with Myfico it became obvious this was not the way to go so I slowly worked them off my credit reports (took ten years in some cases).
A few. I got a bunch of store cards to increase my utilization instead of figuring out a way to decrease the balances I already had. Now I have a bunch of hard inquiries on my report, and a bunch of cards with low 500-1500 limits that I never use because they have no benefits anyway besides 0% financing.
Also, complete opposite of the question, but one card I regret GETTING RID OF.... my Chase Freedom. I recently decided I'd like to go for the "trifecta" and now that's just one more card I have to worry about getting again.
I am always interested to see the difference in what people get approved/denied for even with the same scores. It's constant evidence that not only is there more to it than scores ... in many cases, scores even all that important. I have about the same scores as you, but I would only qualify for a handful of your cards, and then, at lower credit limits. Of course, I know the reason (account age, credit-seeking behavior, a vast number of hard pulls in the last three months), just makes me wonder why have a number if the number is going to be perceived vastly differently based on data that could have been included in the score if Fair Isaac chose to do so.
Most of the store cards I got via the SCT. The first one (Fashion Bug) was actually helpful because shortly after that, I was finally approved for a "real" card, the Legacy Visa. But I fell into the trap of thinking that more accounts was good, so I at one point had EIGHT store cards, six of which I basically never used.
Although I wouldn't exactly say I regret getting them, because they did help me at the time in terms of increasing my available credit, which eventually led to Big Boy limits on the major cards, having all those inquiries in a short period of time probably delayed my rebuild to Big Boy limits.
Currently, the one card I have that I think was stupid of me to get is the Wells Fargo Cashwise. Nice limit, but there is NOTHING special about it that makes me want to pull it out since I met the sub.
NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $15K | PNC Core: $15K | PPMC: $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $6.8K | MLife: $6.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $2.8K | BotW: $3K
Current FICO 8 Scores: EQ: 735 | TU: 741 | EX: 733