this post was submitted on 26 Mar 2025
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I signed up for an American Express preferred Blue card and got approved for a limit of $25,000. I have a 830 credit score. I realized that the places I shop don't accept that card and you have to pay for it yearly so I canceled it.

Then I decided I was going to get a Costco Visa. Once I signed up the credit limit was only $5,000. So I canceled that one. So I stupidly signed up for a Wells Fargo Visa and that was $4,000.

Don't leave yet and please don't make fun of me but I'm not done being stupid. I decided I wanted a different American Express card and when I signed up for it the credit limit was $2,000 so I canceled that one.

Again I know I'm fucking stupid but how bad did I just fuck up my credit?

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[–] Frozengyro@lemmy.world 20 points 6 days ago (1 children)

Plus it'll go back up to where it was in a few months.

And you only need a credit score if you're applying for credit. Are you financing a major purchase in the near future? If not, your credit score is literally meaningless.

[–] FenderStratocaster@lemmy.world 1 points 5 days ago (1 children)

No Financing. House is paid off I have like 200k in stocks and savings.

[–] TonyTonyChopper@mander.xyz 23 points 5 days ago (1 children)

house

Lemmy assemble. let's eat this rich guy

[–] FenderStratocaster@lemmy.world 12 points 5 days ago* (last edited 4 days ago) (2 children)

Let me tell you why I'm so lucky. In early 2013 I bought a 1946 Bungalow at 1400 sq with no basement for around $50k on a 15 year loan. I paid it off. Last year, my father-in-law died and left his house to his only daughter, my wife. It had an outstanding mortgage of $60,000 left on it. It's a 2100 sq ft colonial with attached garage and basement. I sold my house for over $200k and moved into my wife's childhood home. We paid off the remaining loan.

I am fortunate and got lucky on the housing market. I make [redacted] (slightly above national average )a year. My wife took the year off, but is a teacher. We are NOT rich, but very lucky. I live near Detroit, where the cost of living is lower and that helps too.

[–] RogueBanana@lemmy.zip 5 points 5 days ago* (last edited 5 days ago) (1 children)

Don't worry, I am pretty sure it was a joke. But if someone is buying up property for the sole reason of renting then we will be picking up the pitchforks.

Edit: On a unrelated note, I would be more careful about sharing my wealth and salary details to a digit on social media. You can never know when it might backfire in future.

I edited it. Thank for the tip.

[–] Condiment2085@lemm.ee 2 points 5 days ago

Amazing! Good for you. People shouldn't attack the few people that get lucky. ❤️