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Garden Club - August 2017

Frequent Contributor

Re: Garden Club - August 2017


AverageJoesCredit wrote:
Gregory1776 being thst your account is new , i would just go for the 3x , as thats the tried and true method for free sp luv from Amex. Asking for more might be possible but may invite a hp. Lots of people get low sl and put tons through it and that sometimes doesnt sway Amex to give up the ghostSmiley Wink. Just think you could go to 6 then 18 in only 2 stepsSmiley Happy Patience is the key lol.

OK. Thanks, I cant wait to the 23rd! and than Febuary 23, 2018! I do hope they will give me 18,000 at that point, NOT that I'd come close to ever coming close to needing that much credit. Ill never spend more than 2,000 in a month!





Gardening since 7.8.17
Message 91 of 625
Valued Contributor

Re: Garden Club - August 2017

Hey HoneyRock! Great work! I remember when you first started gardening. Smiley Happy

 

Do any of your other cards have 0% or low APR offers? I would go that route first before giving up your soon-to-be palladium spade! Smiley Very Happy

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 92 of 625
New Contributor

Re: Garden Club - August 2017

Hey Bella07... Thanks a bunch.  I have another card with a lower interest rate but the credit limit is just a small fraction of my large card.  BTW.... I pulled the soft pull trigger for one of my CC (not department store cards) and I got the increase.  YAY!!!! but again, not nearly as close to the large balance I'm looking to have placed on a low limit loan OR another CC.  So far my thoughts are a slow pay off so I can just stay in the garden but all thoughts and suggestions are apprecited.  I'm in here for a reason so I will always be open to suggestions that will help  Smiley Happy

Discharged Chp7: 1/15
CreditKarmaFako 8/17: TU724 EQ735
FICOSCORE8 8/17: EX640 EQ621 TU642
CardsInWallet: 7 Credit Cards | 13 Store Cards
Opened then Closed ~20 Store cards Jan 2016 totaling ~4k (I know SMH) | Boatload of INQ's | Last HP 09/20/17
**** Focused On The Garden for 24 months (Working towards a mortgage & continuous Free Flowing SP CLI's)****
Message 93 of 625
Super Contributor

Re: Garden Club - August 2017

Gardenining is all and well HoneyRock but if you"re paying 10k at 30% apr, yikes, i think it would be prudent or at least entertain options to find a cheaper way to pay it off. But only if it doesnt cost you more money lolSmiley Wink.

Hey Bella, last weekend i had free Hbo so i was able to record 1st 2 eps of GOT ! OMG awesome to say the least. Wonder if they take Amex?( hee hee, so this cant go to sbSmiley Wink
Message 94 of 625
Senior Contributor

Re: Garden Club - August 2017

Good morning boys and girls.

 

Guess who has today off from job A?  Smiley Happy

 

Honestly, I had forgotten that I had requested it... never got an approval or denial email, was updating my time card yesterday and saw that I have eight hours of PTO today and nothing on my calendar.  Smiley Happy Smiley Happy Smiley Happy

 

Lots to do around the home front tho...and I'll go to job B this afternoon.

 

Hope you're all off to a good start! 



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 95 of 625
Valued Contributor

Re: Garden Club - August 2017


Bella007 wrote:

Checking in for August!

 

Committed to the garden, and letting my accounts age and grow. Looking forward to staying planted for a while! 

 

Garden strong everyone! Smiley Happy


+1..me tooo.....Smiley Happy

AmexPlat(NPSL) Amex BCP(26k) Chase CSP (25.9) BofA CR Siggy(15k) NFCU CLOC(15K) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart MC(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) Citi Diamond(6k) J Crew(5.9k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 681(18) EQ 672(18)TU 699(19) AAOA 3.3yrs TCL=193,550
Message 96 of 625
Senior Contributor

Re: Garden Club - August 2017

Hey!  Here's something I don't get to say often...

 

DW got a soft pull CLI this morning!  Woot!  Smiley Happy



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 97 of 625
Established Contributor

Re: Garden Club - August 2017

Happy Friday morning gang. My Open Sky reported a zero balance and my score went up 20 points. This credit stuff is easy. 

My NFCU card reported a larger than normal balance and it didn't change anything. It wasn't crazy but it was hovering around 50%. Gotta get that worked out next bonus check. But on the other side that IS my daily driver and all that. 

Hope everyone is doing well. I had one hard pull for my new apartment and a soft pull for ulities since I was already a customer. That one was a pleasant surprise. Just couting down until two more weeks when I can ask NFCu for a CLI. And maybe a second card to replace my Open Sky. Until then I'm gonna go eat some dirt or something. 


Starting Scores 03/17/2017 EQ 491 TU 495 EX 465 Currently 12/13/2017 EQ 586 TU 583 EX 569

$300 Open Sky/ $2K NFCU CashRewards/$5.1K NFCU GoRewards/ $1500 Discover Secured

Goal for April 600 across the board.
Message 98 of 625
Valued Contributor

Re: Garden Club - August 2017


HoneyRock wrote:

Hey Bella07... Thanks a bunch.  I have another card with a lower interest rate but the credit limit is just a small fraction of my large card.  BTW.... I pulled the soft pull trigger for one of my CC (not department store cards) and I got the increase.  YAY!!!! but again, not nearly as close to the large balance I'm looking to have placed on a low limit loan OR another CC.  So far my thoughts are a slow pay off so I can just stay in the garden but all thoughts and suggestions are apprecited.  I'm in here for a reason so I will always be open to suggestions that will help  Smiley Happy


Thank you for now inspiring me to garden!

 

Boy, it would be so good to get that balance on a lower APR. I see AJC had some thoughts, and I agree with him, but that is a decision you have to make as to which route you want to go, being slow paydown or getting that balance on a lower APR one way or another. Smiley Happy

 

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 99 of 625
Super Contributor

Re: Garden Club - August 2017

Gardening is very important.....

WINTER IS COMING!!!!!!

Smiley Happy
Message 100 of 625