Garden Club - March 2016

[icyhot]

Ok, checking in, for real this time!! I've got all the cards and credit I need. Any lenders that I'd want a credit increase on do SPs (Amex/Cap One/Discover). I'm going to hold off on moving my Citi limits (HP) and let my scores recover from my app spree to see if Citi will give me a SP increase on my Forward. Current scores: EQ: 710, TU: 739, EX: 730 WITH my new Matriott and Discover reporting. PRG hasn't shown up yet.

[Anonymous]

Hi everyone!

Is it okay for me to enter the garden for a few months until the end of June? Planning on doing a single app for a Freedom, then setting up my plot in here for a full 2 years after the June application.

Only have 1 new card, three total. All Cap1 (QS PC'd from Platinum - 9 years, Journey - 3 years, QS - new).

[mechanicaljen]

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@Anonymous wrote:

Hi everyone!

Is it okay for me to enter the garden for a few months until the end of June? Planning on doing a single app for a Freedom, then setting up my plot in here for a full 2 years after the June application.

Only have 1 new card, three total. All Cap1 (QS PC'd from Platinum - 9 years, Journey - 3 years, QS - new).

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I don't see why it wouldn't be    Welcome!

[mechanicaljen]

Put quite a bit of cash towards my CC balances.  Should drop UTIL to ~30% . Maybe this month is the month I join the 700 club! <3

[Anonymous]

@mechanicaljen wrote:

I don't see why it wouldn't be    Welcome!

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Thank you!

[ronstar7]

Still here my wonderful garden family! Debt is going down as I planned. Scores are slowly going up which is always great. Still trying to get high enough for the Walmart cc. We shop there for groceries so it would get put to good use. Maybe i'll bite the bullet end of year or so. I just hate to lose my garden status lol I have gone a whole year and would feel yucky if let it all go... ugh the struggle lol. Reports are still frozen, getting sp cli from Comenity monthly as usual. Thats about it.

Have a great day everyone and keep pruning!

[driftless]

Good Morning GC, March is off to an ugly and dreary start in the Chicago-area.   

[lexandra90]

Happy to be reporting my place in the Garden, Currently looking for a second job to help with this Util. Ughhhh! Bad relationships make bad credit lol Gardening since 1/17/16 so I am almost at 2 months. The longest I have ever gardened since Joining this forum. Am looking forward to sunshine, rain, flower buds and SPRING!!! Hope every one has a good month of gardening and sticks to it! WE GOT THIS FOR THE WIN!!

[ladyjaye82]

I posted yesterday but may as well post again today!

I've been in the garden for 1 month and I'm hoping to make it to 7/1/16 before I app for a new card. My ex-husband kind of screwed me by making a late payment on our mortgage (he has a year to re-finance) so I'm really waiting on that baddie to have a little less impact.

My UTI is well under 10% and I plan on keeping it there. Thanks for all the encouragement!

[coldnmn]

Checking in for March inquiry free since May!