Posts: 322
Registered: ‎10-19-2012

Re: For all my fellow Gardeners....

for me it will be the chase sapphire preferred

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Frequent Contributor
Posts: 275
Registered: ‎05-27-2009

Re: For all my fellow Gardeners....

[ Edited ]

Not sure, thinking of:

- Citi Forward

- Amex BCE

- Amex Costco True Earnings


Current Cards: Capital One Platinum ($2,500), Banana Republic Visa ($5,300), Chase Freedom ($2,000), Amex Zync (NPSL), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)

Waiting for minor baddies to fall off in 2015!
Frequent Contributor
Posts: 272
Registered: ‎09-30-2012

Re: For all my fellow Gardeners....


Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: For all my fellow Gardeners....

Amex PRG... I'm liking the sound of this card after I found out about the "bonus"

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

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New Contributor
Posts: 58
Registered: ‎01-10-2009

Re: For all my fellow Gardeners....

This will bring me out of the garden ASAP. Nebraska University Federal Credit Union offers the best purchase and cash advance terms I have seen anywhere and I'm Not eligible for membership. 6.65% APR for purchases and cash advances with no transaction fees? Does anyone know of these terms available to the general public?

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Re: For all my fellow Gardeners....

obageegee wrote:




For me: CSP, BCP, SPG, Citi Forward and then probably done.  I also would like hotel card, another AMEX charge card (waiting on whats going to happen to Zync) and maybe, and I stress maybe, a discover card.  I just dont see that much that entices me about Discover.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 665
Registered: ‎11-13-2012

Re: For all my fellow Gardeners....

This time next year I hope to come out of the garden and get a citi ordiscover that's higher than any of my limits 

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Senior Contributor
Posts: 4,487
Registered: ‎12-11-2011

Re: For all my fellow Gardeners....

My first app will probably be for a freedom....I bank with chase so I'm hoping they love me :smileyvery-happy: 


Might also app for a PRG since the first AF is free, and possibly a CSP...which is also free the first year, but I would rather pay for a CSP than a PRG...seems like a better deal to me. 

Posts: 96
Registered: ‎06-24-2012

Re: For all my fellow Gardeners....

[ Edited ]

CSP and another airline or hotel card or two, unsure of which ones though. Oh and would love a us bank cash+

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Posts: 10,413
Registered: ‎12-30-2011

Re: For all my fellow Gardeners....

Mortgage :smileyhappy:.


Shortly after that BCP, a PC to BOFA's Travel Rewards likely preferred (too useful a card not to have around in my case with travel becoming more likely again at this stage in my career), and likely USAA's Rate Advantage card.... all assuming my scores go up between now and then!

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)

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