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Member
Posts: 7
Registered: ‎02-16-2014

Coming out of the Garden

Been in the Garden for about a year and a half. 

I've been getting some credit card offers in the mail and decided to pull the trigger two new cards. 

I was instantly approved for the Discover IT card for $4,500 and the Amazon Prime Visa Card for $2,500 w/ $70 Amazon gift card.  Smiley Happy

 

I decided to give a product change a try with Chase and Capital One. To my surprise, it was pretty easy. Capital one online chat took 5 minutes, and a quick phone call to chase and I got my cards changed.  I upgraded my Capital One Platinum Visa to the Venture One card and got my Chase Slate card upgraded to the Saphire Preferred with a 1.5K CLI. 

 

Last Month, I tried the AMEX 3x CLI and was given a 10K limit. from 4K. Didn't want to get shot down, so I requested a 10K limit instead of 12K... 

 

Now it's time I go back into the Garden and let the two new accounts age... Smiley Tongue

 

 

 

Chase Freedom $6.5K| Chase Sapphire Preferred 5K | Amazon Prime Visa $2.5K| Capital One QS $5K| Capital One Venture One $3.9K | Capital One Secured $750 | Care Credit $12K | AMEX Blue Cash 10K | Citi Thank You Preferred $7.5K | Discover IT $4.5K

Starting FICO Scores 8/12 - (EX - 649, TU 651, EQ 643)
Current FICO Scores 7/17 - (EX - 705, TU- 701, EQ 710)

Established Contributor
Posts: 666
Registered: ‎10-09-2015
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Re: Coming out of the Garden

[ Edited ]

 



JAlex2014 wrote:

Been in the Garden for about a year and a half. 

I've been getting some credit card offers in the mail and decided to pull the trigger two new cards. 

I was instantly approved for the Discover IT card for $4,500 and the Amazon Prime Visa Card for $2,500 w/ $70 Amazon gift card.  Smiley Happy

 

I decided to give a product change a try with Chase and Capital One. To my surprise, it was pretty easy. Capital one online chat took 5 minutes, and a quick phone call to chase and I got my cards changed.  I upgraded my Capital One Platinum Visa to the Venture One card and got my Chase Slate card upgraded to the Saphire Preferred with a 1.5K CLI. 

 

Last Month, I tried the AMEX 3x CLI and was given a 10K limit. from 4K. Didn't want to get shot down, so I requested a 10K limit instead of 12K... 

 

Now it's time I go back into the Garden and let the two new accounts age... Smiley Tongue

 

 

 


Congrats on both of your new cards!

 

I have a quick question for you.  That year and a half in the garden sounds similar to my situation until 2 recent applications, and was curious if you had a 2 year application "spree" planned prior to this?  If so, do you plan to let these cards age 6 months and return to the original 2 year date for the spree, or wait longer than your 2 year gardening date would have been?  Either way, congrats!

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Senior Contributor
Posts: 8,930
Registered: ‎04-23-2016

Re: Coming out of the Garden

Congrats on a great way of coming out of the gardenSmiley Happy
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Posts: 8,927
Registered: ‎05-25-2015
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Re: Coming out of the Garden

Sounds like your gardening made what you wanted easier to get. Congratulations to you. Well done!


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Member
Posts: 7
Registered: ‎02-16-2014

Re: Coming out of the Garden

[ Edited ]

 


CaptainJ wrote:

 



JAlex2014 wrote:

Been in the Garden for about a year and a half. 

I've been getting some credit card offers in the mail and decided to pull the trigger two new cards. 

I was instantly approved for the Discover IT card for $4,500 and the Amazon Prime Visa Card for $2,500 w/ $70 Amazon gift card.  Smiley Happy

 

I decided to give a product change a try with Chase and Capital One. To my surprise, it was pretty easy. Capital one online chat took 5 minutes, and a quick phone call to chase and I got my cards changed.  I upgraded my Capital One Platinum Visa to the Venture One card and got my Chase Slate card upgraded to the Saphire Preferred with a 1.5K CLI. 

 

Last Month, I tried the AMEX 3x CLI and was given a 10K limit. from 4K. Didn't want to get shot down, so I requested a 10K limit instead of 12K... 

 

Now it's time I go back into the Garden and let the two new accounts age... Smiley Tongue

 

 

 


Congrats on both of your new cards!

 

I have a quick question for you.  That year and a half in the garden sounds similar to my situation until 2 recent applications, and was curious if you had a 2 year application "spree" planned prior to this?  If so, do you plan to let these cards age 6 months and return to the original 2 year date for the spree, or wait longer than your 2 year gardening date would have been?  Either way, congrats!


 

Hi CaptianJ,

 

 

Thanks! I didn't have an app spree planned prior.  I was just super tempted by the offers and decided to go for it. When I started gardening, I was only planning on doing it for a year but I kept going after the year, didn't feel the need to get another card at the time and I wanted my AAOA to increase.  I plan on letting these accounts age for 6 - 12 months before I even consider applying for anything else. 

Chase Freedom $6.5K| Chase Sapphire Preferred 5K | Amazon Prime Visa $2.5K| Capital One QS $5K| Capital One Venture One $3.9K | Capital One Secured $750 | Care Credit $12K | AMEX Blue Cash 10K | Citi Thank You Preferred $7.5K | Discover IT $4.5K

Starting FICO Scores 8/12 - (EX - 649, TU 651, EQ 643)
Current FICO Scores 7/17 - (EX - 705, TU- 701, EQ 710)

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