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Established Contributor
LesWH
Posts: 601
Registered: ‎10-11-2012

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: 62
Registered: ‎07-21-2012

Re: For all my fellow Gardeners....

Barclays Ring, Chase Sapphire Preferred or Amex BCP.

Scores: EQ-798 EX-802 TU-786

CC: |Citi Simplicity - 20.8K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 10K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |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

Re: For all my fellow Gardeners....

CSP

Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

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 TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

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 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
Valued Contributor
nicholasyud
Posts: 1,593
Registered: ‎08-13-2012

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
Goal Score: 800


Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Frequent Contributor
bbb3601
Posts: 322
Registered: ‎01-26-2012

Re: For all my fellow Gardeners....

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

NFCU Cash Rewards 16,500,NFCU Plat 17,000, NavCheck 10,000, 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: 1,922
Registered: ‎07-23-2012

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

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 777 EX 767 TU 771
App free since 4/11/12
Valued Contributor
Repo-ed
Posts: 2,602
Registered: ‎02-09-2012

Re: For all my fellow Gardeners....

my local CU CC, Amex PRG, and SWA RR Visa - Jan 13

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700

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