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Frequent Contributor
Posts: 327
Registered: ‎04-08-2013
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First Garden Test! Rough!

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?
Senior Contributor
Posts: 6,970
Registered: ‎01-05-2013
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Re: First Garden Test! Rough!

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.


 

Moderator
Posts: 26,770
Registered: ‎09-13-2012
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Re: First Garden Test! Rough!

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.
Valued Member
Posts: 313
Registered: ‎04-25-2013
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Re: First Garden Test! Rough!


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.

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

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Valued Contributor
Posts: 1,970
Registered: ‎09-16-2011
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Re: First Garden Test! Rough!

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

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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Re: First Garden Test! Rough!

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.



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
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Re: First Garden Test! Rough!

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 :smileylol:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Moderator
Posts: 26,770
Registered: ‎09-13-2012
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Re: First Garden Test! Rough!

@myjourney

True,some people have to find out for themselves.
Regular Contributor
Posts: 216
Registered: ‎02-11-2012
0

Re: First Garden Test! Rough!

I give CU invitations a 90% success rate :smileytongue:



FICO: EX 662 | EQ 670 | TU 681
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
0

Re: First Garden Test! Rough!


09Lexie wrote:
@myjourney

True,some people have to find out for themselves.

:smileysad:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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