Regular Contributor
Posts: 190
Registered: ‎10-22-2010

Approved for my final credit card today - time to garden!

On Sunday I applies for a Citi Dividend Platinum Select MasterCard and was advised today I was approved with a $4,300 credit limit. This is technically my highest limit as far as CRA's are aware of. This joins my


Discover Card - Opened 5/08 - Credit Limit 3,000

CU Visa - Opened 6/10 - Credit Limit 3,000 (Reports to only Experian)

BoA Visa Signature - Opened 10/10 - Limit 10,000 (High Balance of 4.000 - No Pre-Set Limit Card)

Premier Rewards AmEx - Opened 10/10 - No Pre-Set Limit


I wanted to apply for a MasterCard a few months back but had quite a few inquiries from October 2010 to try to build a foundation of credit so I decided to wait. I was also looking for a non World MC as I wanted a hard credit limit to report. I am glad I now have a card for each payment network. Since I run most of my charges through my AmEx, there is no need for another card so I can sit back and garden and let these accounts age with me so I am definitely psyched about that. Let the inquiries start to drop.


For anyone who is curious:


FICO: TU 717

FICO: EQ 731

FAKO: EX 728


I checked CreditKarma after I applied as I was curious which report was pulled and CreditKarma (which uses TU) still only had 1 inquiry from 10/10 so they either pulled from EQ or EX.


EX had no inquiries

EQ had 6 from 08/10 - 10/10 (nothing since & three that were older than a year)


Oldest Account is 2006

AAoA is 1 Year

No Baddies

Always PIF

What's In My Wallet:American Express Starwood Preferred Guest Business Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Starwood Preferred Guest Card, Chase Sapphire Preferred, Citi AA AmEx, Chase United Mileage Plus Explorer Card, Barclays US Air, Discover More, Bank of America Accelerated Rewards AmEx, Citi Dividend Platinum Select, LEM FCU Visa, SME FCU Visa
Regular Contributor
Posts: 204
Registered: ‎12-20-2010

Re: Approved for my final credit card today - time to garden!

Congrats on the approval, thats a nice list of cards, top notch.. none of that hsbc or cap1 nonsense i have! lol

Starting Score: TU 608, Eq 618
Current Score: TU 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board

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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010

Re: Approved for my final credit card today - time to garden!

Congrats! You have a really nice portfolio. Now that you're ready to sit back and let them age, welcome to the Garden Club! :smileyhappy:

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Posts: 276
Registered: ‎01-15-2009

Re: Approved for my final credit card today - time to garden!

Looks like a nice start with nice CL's Look like were both joining the same club. We just need to keep the weeds out of the garden! :smileyhappy:

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