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?
I am redoing my patio and it’s expensive. I want to earn points. I’m going to immediately pay it off, but it’s free money that way.
Split it into multiple credit cards. I had a similarly very large expense recently, and I have 3 credit cards. I asked each for a credit limit increase, and took what I could get (none of them gave me what I requested, but all of them gave me some increase). Then I split the cost over all 3 cards.