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For all my fellow Gardeners....

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LesWH
Established Contributor

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






Message 1 of 25
24 REPLIES 24
HiHiHiHiHiHi
New Contributor

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|
Message 2 of 25
Cadillac-XTS
Established Contributor

Re: For all my fellow Gardeners....

CSP

Message 3 of 25
trumpet-205
Valued Contributor

Re: For all my fellow Gardeners....

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).

Message 4 of 25
Jutz
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 5 of 25
nicholasyud
Valued Contributor

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: ?
Goal Score: 800
Message 6 of 25
bbb3601
Frequent Contributor

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.




Message 7 of 25
creditnocash
Valued Contributor

Re: For all my fellow Gardeners....

the one i app for? Smiley Wink

 

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: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 8 of 25
Epcot
Valued Contributor

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 849 EX 835 TU 841
Message 9 of 25
Repo-ed
Senior Contributor

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
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 10 of 25
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