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?

  • eric5949@lemmy.world
    102·
    6 days ago

    Well you don’t have an 830 credit score anymore but it’s probably not too bad, chill though lol

    • Frozengyro@lemmy.world
      20·
      6 days ago

      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.worldOPEnglish
            175·
            4 days ago

            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.zipEnglish
              5·
              4 days ago

              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.