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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Dang it.... I need to garden, but so hard

I know how you feel bro ....we in the same boat but you need to stay your butt from Garden for at least 6 months......Don't tryna apps for everything and you would regret it with all those toys limit.....

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Dang it.... I need to garden, but so hard

First, I don't want or need anymore cards, Second, the way that I have learned to deal with the "itch" is soft pull increases.  That is just as gratifying and it doesn't hurt your gardening!  I'm in the garden for a while and I plan to stay there!! LOL!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Dang it.... I need to garden, but so hard

Head over to the garden, plenty of support there as well!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Dang it.... I need to garden, but so hard

Gardening is th best way to go!!!! It is very hard though!! Just grow the limits you have!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011

Re: Dang it.... I need to garden, but so hard

+ 1 ... satisfy your itch with growing your existing accounts via soft pulls :smileywink:

TU-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 10,000 CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4900CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase SlatE$4000/BofA2500/ToyotaRewardsVisa$6500
New Contributor
ItchyAppFingers
Posts: 96
Registered: ‎07-31-2012

Re: Dang it.... I need to garden, but so hard

Eventually you"ll start getting denied after so many approvals all in a small period of time. (Not to sound harsh) but that Is what got me to stop apping and get my butt into gardening. After so many approvals I started getting the denials and that just killed me. :smileysad: im content with my cards now.
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
New Contributor
MYBEST
Posts: 72
Registered: ‎08-18-2010

Re: Dang it.... I need to garden, but so hard

Catacam you are not alone, I am in the garden now but I had to learn the hard way most recent that if I ever want to get the "2k-5k instant approvals " like Repo-ed said that I have to STAY in the garden... it's for the better good in the end. Good luck and stay positive :smileyhappy:
EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!



Frequent Contributor
Catacam
Posts: 491
Registered: ‎02-06-2012

Re: Dang it.... I need to garden, but so hard

Ok, I have committed to the garden! Excited to see that seedling grow!!!

CLOSED ON OUR FIRST HOME MAY 30TH!!!


Starting Score: TU 589 EQ 526 EX603
Current Score: TU 635 EQ 603 EX ??
Goal Score: 750


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Frequent Contributor
Razeus
Posts: 387
Registered: ‎04-02-2012

Re: Dang it.... I need to garden, but so hard

With your scores, I wouldn't app for anything.  Not until at 680.  You're just hurting yourself.

My Wallet:
Discover It $11,000 | Chase Freedom $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Frequent Contributor
pdog661
Posts: 377
Registered: ‎03-31-2012

Re: Dang it.... I need to garden, but so hard

You've got to flip your thinking.  Do not think of all the cards you won't be able to have if you garden think about the one you will get if you do.

 

What is your dream card and with what limit?  Once you figure this out research through the forum what you need to get to that card, and start your work. 

 

Maybe its the AMEX BCP, or the CSP. Both require low inquires (less then 4 in 2 years typically). In order to get either of these cards you will need high credit limits (over 5 K) on premium cards.  Take a look at your file and see how you can get to there approval levels, and make that work take place of achieve new credit.

 

As they say ideals hands...........

 

Best wishes. 


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