Reply
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

For all my fellow Gardeners....

What is going to be the first card you app for when you come out of the garden?  For me, it's going to be the Chase Sapphire Preferred.


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






New Contributor
HiHiHiHiHiHi
Posts: 63
Registered: ‎07-21-2012
0

Re: For all my fellow Gardeners....

Barclays Ring, Chase Sapphire Preferred or Amex BCP.

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: For all my fellow Gardeners....

CSP

Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
0

Re: For all my fellow Gardeners....

[ Edited ]

Honestly I think I'm done as far as getting another card. I might get Chase Sapphire and replace my Citi Forward to consolidate UR points, but that's still debatable. Maybe Capital One Cash Reward to replace BofA Travel Rewards, but that is only if Capital One adopts EMV.

 

I'm going to work some CLI and cut down some cards (have a little too much).

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: For all my fellow Gardeners....

Whatever I determine to be the best mid level card at the time. Barclays maybe? Not getting another CC until I boost my scores more. Chances are I come out of the garden for an auto loan far before another card

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: For all my fellow Gardeners....


Jutz wrote:

Whatever I determine to be the best mid level card at the time. Barclays maybe? Not getting another CC until I boost my scores more. Chances are I come out of the garden for an auto loan far before another card


I wont apps for anytihng until my score went somewhere around 700.

I all set for now after 4 brand new cards.But....

  • US+ 5%o
  • Discover
  • Citibank Signature.  

 


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


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

Re: For all my fellow Gardeners....

Next summer I plan to app for the Ring and a Discover.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: For all my fellow Gardeners....

the one i app for? :smileywink:

 

but really. 

 

ughh costco true earning/ and or bce. 

hoping a jan app for full backdating privliges. 

other then that just higher limits on my current cards. 

 

but with an annual income of 32k how much credit can you have? currently im at 15k in aval credit. with a dti of like 2% no house or anything like that though. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: For all my fellow Gardeners....

I just left the garden this week. Got approved for the Disney Chase visa and the Walmart store card.

Walmart didn't even HP me, I just finshed the pre-approval form on the application website and got approved for $700.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: For all my fellow Gardeners....

my local CU CC, Amex PRG, and SWA RR Visa - Jan 13
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}