August 2016 Garden Club/Cult

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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Re: August 2016 Garden Club/Cult

Postby CarefulBuilder14 » Fri Aug 26, 2016 9:23 pm

kdm31091 wrote:Someone on MF mentioned having 83 inquiries. That is downright disturbing and scary. I have 20 on EX and feel like I have excessive inquiries. 83? Seriously?

How did you get 20 on one report? Did you authorize a car dealer to shop around for a loan or something? Or just took a lot of HPs for CLIs?

I've got 6 EX, 1 EQ, 2 TU. HPs for BCE and Sallie Mae just dropped off.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red


kdm31091
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Re: August 2016 Garden Club/Cult

Postby kdm31091 » Sat Aug 27, 2016 7:44 am

CarefulBuilder14 wrote:
kdm31091 wrote:Someone on MF mentioned having 83 inquiries. That is downright disturbing and scary. I have 20 on EX and feel like I have excessive inquiries. 83? Seriously?

How did you get 20 on one report? Did you authorize a car dealer to shop around for a loan or something? Or just took a lot of HPs for CLIs?

I've got 6 EX, 1 EQ, 2 TU. HPs for BCE and Sallie Mae just dropped off.


Back in late 2014/early 2015 I went rather crazy with apps which is stupid, since I don't even have most of the cards anymore. I never did the SCT thing, just lots of random rewards cards at the time. Luckily a good half of the inquiries fall off by the end of this year.

Tubpbs
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Re: August 2016 Garden Club/Cult

Postby Tubpbs » Sat Aug 27, 2016 3:42 pm

What cards did you app for? That seems unlike you...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

kdm31091
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Re: August 2016 Garden Club/Cult

Postby kdm31091 » Sat Aug 27, 2016 5:37 pm

Tubpbs wrote:What cards did you app for? That seems unlike you...


I was impulsive when I first learned about cards, absolutely. The difference between me and a typical myfico user is that I actually learned and stopped doing it.

Anyway, I couldn't even list them, but I had at least one Double Cash opened/closed, a Chase Amazon, a couple Comenity cards, a Chase Freedom at one point...don't even remember half of them to be honest. At the beginning it was the thrill of getting approved and I got caught up in it like so many others. Over time though with my spend and income I realized it was stupid to have so many and I closed them. 20 is a lot of inquiries but I can't even begin to fathom having 83. That means the person applied for 4x more than I did and I feel like I went through my fair share and then some.



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