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tinuviel
Moderator Emeritus

Re: Discover


@afbar1114 wrote:
Im trying my hardest to garden for 6 months for now

 

You have some good cards in your wallet. Use them. Enjoy them. Focus on them. You got them for a reason, after all, didn't you? Use them accordingly and stop thinking about other cards.


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
Message 21 of 25
SwiftTone
Valued Contributor

Re: Discover

I found it helpful to stop learning about new cards....

 

I'm trying to garden until October for the CSP....

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 22 of 25
afbar1114
Valued Contributor

Re: Discover


@SwiftTone wrote:

I found it helpful to stop learning about new cards....

 

I'm trying to garden until October for the CSP....


yea knowing about all cards and new cards doesnt help

 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 23 of 25
SwiftTone
Valued Contributor

Re: Discover

I set a plan on which cards I want, and in what order. I only app for a card if its the next card on my list, or if it will help me with an approval for the next card on my list.

 

Case in point: I had 3 cards with average CL of $1k, and didn't want to be stuck with toy limits. I knew I had the minimum FICO score for a CSP, so I apped and got denied. Reason of denial was that I had no similar CL(CSP starts at $5000). I thought long and hard and knew that my current CC would not give me a CLI, ever.  After a month of thinking, I decided to app for a Discover More. Originally Discover More was 3rd on my list, but decided it could help me with an approval for the CSP. I apped, got approved for $3500. Now I am gardening until October hoping that they will give me a CLI of atleast $1500 to a total CL of $5000(seems doable), so that it will increase my chances of approval for a CSP.

 

I also want a Freedom. I plan on getting a PC on my Slate in November(1 year anniversary) that way I don't have to keep apping.

 

Its all about having realistic plan afbar. And most importantly, sticking with the plan. Don't try to get approved with minimum reqirements for a CC. Always leave some room for the unexpected.

 

Be patient, you can do it!!

 

After I

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 24 of 25
LS2982
Mega Contributor

Re: Discover


@tinuviel wrote:

@afbar1114 wrote:
Im trying my hardest to garden for 6 months for now

 

You have some good cards in your wallet. Use them. Enjoy them. Focus on them. You got them for a reason, after all, didn't you? Use them accordingly and stop thinking about other cards.


THIS!!!!!!!!!!!!!!

 

C'mon Appbar Jr. I'm over apping for credit cards for quite awhile, don't even think about future apps!!!




EQ FICO 548 3/3/16
Message 25 of 25
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