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Looking Back, Any Credit Cards That You Regret Going After?

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Valued Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?

All the ones I applied for in Oct. and Nov. 2018 (I thought my reports were clean but I jumped the gun- should have waited until December) 

Starting Score: 579
Current Score: 744, 738, 711
Goal Score: 850 x 3


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Rebuild Oct. 2018
"My Take Home Pay Don't Take Me Home"

Synovus Tloc 75k/Savor 5.5k/Venture-3.5kAU/DiscoCB 5.5k/DiscoChrome 2k/Sportsman's Guide Visa 3k-AU/GoodSam's Visa 5k/Lowe's Pro 2.5k & Lowe's Advantage 30k-AU/Home Depot 10k-AU/Spark 2k-AU/Staples 1k/ Amazon Net 55 7.9k
Message 61 of 69
Regular Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?

I actually have two that I regret, one in the early rebuilding phase and one more recent. 

 

When I began my rebuild I applied for the USAA Secured Card without doing research.  I did not realize it would never graduate and ended up with a substantial amount of my own money tied up for a credit card that would never grow.  It has since been kicked to the curb.

 

My most recent regret is Paypal MC.  It is just meh to me, at best.  I'll keep it around for the utilization padding, though.

Starting FICO 8 December 2017


FICO 8 as of 8/7/19

FICO 9 as of 7/719




Sock Drawer:


Goal: Gardening until April 2020. 700 Club by 9/2019
Message 62 of 69
Frequent Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?


@AverageJoesCredit wrote:
Pendread😠😡🤬🤦‍♂️

Mine is CRAPital One






Starting Score: 745
Current Score: 776
Goal Score: 780


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Message 63 of 69
Frequent Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?

Again I'll Express my disappointment with capital one.
I had the executive office call me last month about my 500$ toy limit on my bucketed card. He said wait until June 25th my 1 year and try again. I said try for what a cli? An aor reduction? Almost forgot they dropped my apr by 4% for 7 months on purchases... Seriously I wouldn't use that offer to carry a balance do they truly believe that offer is going to keep me with cap1. I wrote another letter after my cli was denied again. This time when the executive office called I said I'm sorry I'm busy at work can u call back Monday around 5 pm. He didn't seem very happy but said yes I'll call back. I did this because honestly I'm not even sure what to say anymore I don't even want to deal with him since the cap1 cpu's have more pull than them.. it's not like he's going to just realize I should have a higher limit and boom overide the CPU. I'll let my cap1 qs sit in my ad and put a charge on it once a month. I just thought it was hilarious when I got the temp apr reduction. Seriously temporary come on. I would think of applying for another cap1 card just for sign up bonus but the pre qualification asks me if I opted out, so I'm not risking a triple hard pull denial. I explained all of this and was told they are working on the pre qualification error. O well only reason I keep card is it's my only MasterCard. I have at least one of each mc visa disco amex. End rant
br>Starting score520
Current Score: FICO 8- 730EX, 741TU, 729EQ, Mortgage- EX 671, EQ- 692, TU 691
Goal Score: 760 by (2/2020)
Buisness CC- Amex Simply $ Plus-6/26/19- 1300-Amex BBP-6000-8/6/19-
Personal Cc's
7/19 Citi rewards+-(wmc)5400
5/19-Amex rose Gold npsl(25000-pot), 5/18-1st Disco it- 2000 , 5/19-2nd Disco it- 2000
6/18-Dcu-3000-
12/18Amazon-6000-
Walmart-5000
2/19-Home depot- 2000-500SL increased to 2k day of app.
6/18-dcu2.74 Auto loan(re-fi a 25% apr auto loan)
Inquiries(scorable)-Ex-7,
Eq-3,
Tu-4
Goal score 800



Message 64 of 69
Frequent Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?

Paypal Credit. Opened it. Never used it.

Barclay Ring. I really wanted a low APR card. Then I realized I don't even carry balances and I strictly prefer to use cash back cards so I wasn't even using it. It was fun to have, though. Something about it's simplicity appealed to me even if I hardly ever used it.

I don't really regret getting the SDFCU cash back card but I really hate that it does not offer auto-pay with external accounts. I have gotten into late payments due to it because I am so used to automated payments. I'm not using it as much as I had hoped to.

My second Discover card. My timing sucked. I got it at the same point in time when I started decreasing my spending. Did not really take advantage of the double cash back period.
Message 65 of 69
Valued Member

Re: Looking Back, Any Credit Cards That You Regret Going After?


@Jaybeltran805 wrote:

Wells Fargo propel .. Smiley Sad



Really? May I ask why? This is one of my goal cards and not many reviews for it online.

Starting Score: EX634 EQ683 TU663
Current Score: EX616 EQ674 TU655
Goal Score: 700


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Message 66 of 69
New Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?

I had Capital One's Platinum Visa from 2005 to 2010.  The card came out like two years earlier, and IIRC, was the first Visa/MC to bare the "Platinum" designation. Visa/MC "Gold" cards had already been around for a while.  Anyways, to this day, the only blemish in my credit history was a single 30-day late pay reported by CapOne that I tried to dispute due to mail theft (snail mail payments back then).  That derog fell off 15 months ago, but I still have a bad taste in my mouth for them.  I regret opening an account with them.  They still sends me mail offers.


7/27/2019


"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."


Message 67 of 69
Super Contributor

Re: Looking Back, Any Credit Cards That You Regret Going After?

I have no regerts








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Message 68 of 69
Valued Member

Re: Looking Back, Any Credit Cards That You Regret Going After?

One of the more enlightening threads.  



Message 69 of 69
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