- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
If you really think about it, which is probably bad, but if you really think about it, it's very ironic that this is the site selling you their credit scores telling you how evil it is to apply for credit cards. I know, it's not the owners of the site, but their mods and "community leaders" are their voice.
For the life of me, I do not understand the whole mindset that a single freaking application is going to utterly destroy your credit and your entire life. I've had PLENTY I mean a hell of a lot of them over the last 2 years and I have yet to destroy either. I pick my spots now, as opposed to sprees, but they are just way over the top on the whole gardening thing.
I will admit, sometimes I can see it - one guy has scores in the range of 650 to 670 wanting help to plan his app spree, with scores like that you are truly not in a position to app spree. Go for Discover, that's the prime card you have the best shot with at that range (they'd probably give him 10k to start) and maybe a GE backed card, and call it a day, don't do 10 futile applications on the same day to get declined for all of them and drop your score further. Then I can see it. But otherwise, what the hell.