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Frequent Contributor
Posts: 284
Registered: ‎04-23-2017

Re: Garden Club - August 2017

Mikpsdad1 wrote:
5 months! Amex 3x to 9k. Going to see what cap one has to say about cli tomorrow. Not expecting much...barely use it! Happy gardening!

Nice with the 3x!


I cant wait until day number 61 lolololol, im contemplating asking 4x to 8k rather than the 3x to 6k (from SL 2k) thoughts, Anyone? I used a sizable chuck of my CL first month (52%) should i use it as much next (this) month? I think using more of the cl will help the  clis... 🤷🏼‍♂️🤷🏼‍♂️

Gardening since 7.8.17
Senior Contributor
Posts: 4,095
Registered: ‎09-26-2011

Re: Garden Club - August 2017

Good morning boys and girls.


It's been an exciting week at job A.  Rather stressful tho.  Corporate is playing musical chairs from afar... in theory, it doesn't really affect me much, but I work very closely with people that it really does apply to.  Lots of sad faces. 


Getting through July was challenging, and I was hoping for a more relaxed August... THAT didn't happen...


No real news on the credit front... sitting here in the garden behaving myself.  Smiley Happy

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Super Contributor
Posts: 8,882
Registered: ‎10-03-2008

Re: Garden Club - August 2017

[ Edited ]

Gardening strong while trying to resist a new account application here or there. Some new cards have tempted me but truth, the USAA Limitless Cash VS is hard to resist and I don't have to work hard to use it. Looked at the US Bank Altitude Reserve Visa Infinite and then passed on it. Hard to beat UR points from Chase. Oh well I will stay the course in the Garden for the time being

Starting Score: 826
Current Score: 829
Goal Score: 850

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Senior Contributor
Posts: 9,394
Registered: ‎04-23-2016

Re: Garden Club - August 2017

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.
Established Contributor
Posts: 511
Registered: ‎03-09-2011

Re: Garden Club - August 2017

Hi!  **waves to everyone while passing around freshly-made lemonade...made with real lemons!**  Smiley Happy


I'm still here in the Garden...although I haven't posted much.  Still haven't felt the need for new plastic in my wallet; so my report is still clean (may not be for long, though; seriously thinking about buying a new car).


Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Regular Contributor
Posts: 246
Registered: ‎04-27-2017

Re: Garden Club - August 2017

Hi Everyone.  


i'm checking back in for another month.   I see all these offers and extra spend bonuses and i just want to jump on them asap.   However, i'm a rebuilder and not that long ago i think i actually heard them tell me i couldnt finance a piece of cardboard. haha   I'm slowly working on everything and maybe next year i can get some shiny new spend bonus CB cards.    Till then, i'm going to SP my limits and see what happens.   since i'm not a doctor, i have no patience, so this is even more of a learning lesson for me.    Thanks all and good luck on your gardening as well.

Starting Score: TU 504 EQ 525 EX 535 (4-4-17)
Current Score: TU 605 EQ 622 EX 615
Goal: 680 then 800 club across the board
Inquiries: over character limit
Cap1 I Disc I NFCUx2
New Contributor
Posts: 50
Registered: ‎04-06-2012

Re: Garden Club - August 2017

[ Edited ]

HIIIIIIII YALL! Smiley Very Happy Guess whos still in the garden!  The end of this month will be 8 months for me which is definitly a record Smiley Happy!  Annnnnnnnd I am finally starting to see some of the garden benefits.  While they do not come automatically, they are coming with soft pulls... I have received TWO CLI's ...  WOOT WOOT!! (currently dancing)... I am super excited because I have only asked for two and I didn't ask for very much but what I do know it, they weren't approving me for any inreases in the past so this is super great news.  One from comenity bank and the other from syncrony bank.  I haven't asked any major credit cards yet... I'm still trigger shy when it comes to them.  I have been teetering between asking NFCU for a personal loan to pay off my one Large credit card but I truly do not want to come out of the garden.  What do you all think... keep a balance of almost 10K at almost 30% ORRR try for a personal loan to get the lower interest rate and pay it off in full.  Its the only balance I have, all other cards are zero and PIF each month.  I want to garden strong so let me know folks :-)

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)****
Frequent Contributor
Posts: 435
Registered: ‎05-18-2015

Re: Garden Club - August 2017

Happy August fellow gardeners! Planting my seedling again after a busy July. Closed on the house and picked up a few cards. Not looking forward to seeing my scores dip after my mortgage reports, utilization goes up (financed some appliances and furniture for the house), new inquiries, and new accounts report. But crossing fingers they will bounce back soon enough. Anyhow, just stopping by to say hi!  ✋🏼

Scores 8/25/2017~ TU: 753 / EXP: 742 / EQ: 726
Goal: 770's or higher by end of 2017
Established Contributor
Posts: 753
Registered: ‎10-08-2014

Re: Garden Club - August 2017

[ Edited ]

Hello gardeners.🌳 I'm committing to stay in here as long as possible. After doing my last app spree for HomeDepot, Nordstrom, Venture and Citi DC for whatever reason, I'm not apping anymore 🤞

I thought it'll be easy to stay in garden but far from it, garden discipline is proven to be much more difficult then I though.


I salute you all gardeners for amazing discipline. Awesome job. 👍

Frequent Contributor
Posts: 480
Registered: ‎04-26-2017
0 Kudos

Re: Garden Club - August 2017

Hello all, after 8 cards in 3 months, I'm ready to join the garden club.  Just one question, where are all the food and beverages mentioned in OP?

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