oldsoldier wrote:You guys have really hit on some good points micromanaging, feeling like you entittled to a CLIs and complaining when you get denied. I am with Member on just live your life. Pay your bills and live your life to fullest. Cards enable you to enjoy life a little better and If you have to make a large purchase make it just pay it down as soon as you can.
I just think you shouldn't always be obsessed with scores because there are to many scoring models to try and figure out anyway.
And you get to a point where you generally have the cards you want, you know your score is in a good range, you make your payments, etc. At that point, what's the need to monitor your score obsessively? I have no upcoming apps planned at all, be it credit or car loan or anything. I know my scores and I know they are not likely to suddenly dramatic change. I charge and make my payments. I have the myfico monitoring but I am definitely cancelling when the year ends. It's just not worth the money.
I know monitoring your scores can be important at certain points (rebuilding, upcoming apps) but in general, once you have what you need, it's a waste of time/effort/money IMO. Nothing wrong with occasionally checking but day to day monitoring for me is overkill. Discover provides me my TU monthly for free. That's good enough.