First Garden Test! Rough!

[HYPASS33]

Got my first invitation from my other credit union today in mail to use invitation number to apply for their Visa Platinum Rewards Card. I know they pull EQ and I don't want another IQ on it. Oh how the garden is hard when offers start coming!! Invitations are not a guarantee anyway right?

[FocusedAndDetermined]

Nope, invitations are definitely not a guarantee.  Stick with your plan, and only app when you know you're in a good position to get approved for the card(s) you want.

[09Lexie]

Nope they are not a guarantee. With the amount of inq's/ new accounts you have in a month - I'd be running from a computer! Weren't you commenting on your TU score earlier? Applying is fun, exciting and exhilarating - it can be addictive. The withdrawal period is filled with denials, AA's, CLD's and low AAOA. I'm being dramatic because I want it to sink in- waiting is your best friend. The invitations, pre-approvals, sign up bonuses will still be there in Dec/Jan.

[flyingace]

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@09Lexie wrote:
Nope they are not a guarantee. With the amount of inq's/ new accounts you have in a month - I'd be running from a computer! Weren't you commenting on your TU score earlier? Applying is fun, exciting and exhilarating - it can be addictive. The withdrawal period is filled with denials, AA's, CLD's and low AAOA. I'm being dramatic because I want it to sink in- waiting is your best friend. The invitations, pre-approvals, sign up bonuses will still be there in Dec/Jan.

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And, to add to Lexie, if anything, the invitations etc... will be BETTER in December.

[jamesdwi]

Invatations are a lot more lkely to be approved if you haven't been to an AP party in 6 months or longer :-)

[CREDITSURFER]

Stick with the garden. Since i went to the garden ive been getting offers in the mail also. I just look at it as the garden doing what it was ment for, building your credit for better offers! I love all the support in the garden and it has truely helped me. So stay strong and you will thank the garden when its right time to step out.

[myjourney]

I'll make gardening easier didn't you just get 2 cards overturned (denials) through recon? Hint Hint Hypass

You refuse to take the advice given you so many times Lol

I give .......

This time I say app

Go ahead pull the trigger

Go for it 

Chance of approval are good after recon

It's got your name on it 

Lol 

Condition red canceled

ERT stand down 

[09Lexie]

@myjourney

True,some people have to find out for themselves.

[blk8]

I give CU invitations a 90% success rate

[myjourney]

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@09Lexie wrote:
@myjourney

True,some people have to find out for themselves.

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