Still app free since Nov '11! I'm still tempted to app earlier than I have planned for the BCE but I'm trying to tell myself it'll be worth it to wait until the optimal time and utilization on my reports.
My garden:
Capital One No Hassles - $750 CL ($39 AF; can't wait to get rid of this before the AF is due again!)
WFNNB Lane Bryant - $100 CL (I've given up trying to get another CLI on this one and waiting to see what happens after it turns a year old)
AmEx Zync - NPSL
Discover Miles - $3000 CL
PenFed Travel Rewards AmEx - $5000 CL
WFNNB Avenue - $750 CL
Lane Bryant $200 limit was CLI in 11/2011 to $550 - $0 balance.
USAA secured AMEX $500 was increased in 02/2012 to $1k... in hindsight I think I would have rather opened their secured MC for the $500 but the higher CL means less worries. lol It gets used for regular expenses and PIF every 2 weeks.
Just got $22k auto loan with local CU - as long as I get inqs back down and improve my credit score they will reduce the interest rate from 7.49% in 10-12 months.
I'm planning on sitting in the garden until I get that interest rate reduced, then I'll re-evaluate. lol
Hope I don't get sunburned. :-)
amkari wrote:Lane Bryant $200 limit was CLI in 11/2011 to $550 - $0 balance.
USAA secured AMEX $500 was increased in 02/2012 to $1k... in hindsight I think I would have rather opened their secured MC for the $500 but the higher CL means less worries. lol It gets used for regular expenses and PIF every 2 weeks.
Just got $22k auto loan with local CU - as long as I get inqs back down and improve my credit score they will reduce the interest rate from 7.49% in 10-12 months.
I'm planning on sitting in the garden until I get that interest rate reduced, then I'll re-evaluate. lol
Hope I don't get sunburned. :-)
(Passes the sunblocker) Welcome!!!
mAndrew1980 wrote:Another beautiful day here in my sunny concrete Chicago garden. Just saw a rat run by and nibble on my plants but I shoo'ed it away with a broom. Today I'm celebrating one week of uninterrupted App-free sobriety!
Watching my babies GROW GROW GROW!
Sends some poison for those critters to you)
I got a wabbit problem in mine................
Couple of updates:
Stepped out of the Garden after 5 months to apply for a Amex Platinum Card due to the intensive amount of travel I'm going to be doing this summer and fall. I already had Zync and BCE for personal and Gold for business expenses, and called to inquire if I could upgrade the Zync to platinum. Being that it hadn't been 13 months yet, they told me I had to apply for a new card and eat the hard pull.
App'd over the phone and got an instant approval. The CSR I was talking to even commented on how "beautiful" my account history was, though I'm not sure what exactly that means. I closed the Zync account.
I also closed down my Barclays Apple Visa and moved the CL over to my US airways MC (now @4500).
I tried to get a CLI on my BofA Visa Sig, but the Rep said I was too new of a customer and had too many revolver accounts. The next two weeks will be me culling the weedlings out of the garden. Orchard got yanked yesterday, and CreditOne will be yanked tomorrow.
My Curent Wallet:
BofA Visa Sig @ 5k
Discover More @ 4500
US Airways MC @ 4500
Amex BCE @ 3109
Amex Plat
Amex Gold
Banana Republic Visa @2k(don't laugh, I shop there quite a bit).
Sock Drawer:
Walmart @1500
Nordstroms @ 500
Amazon Store Credit @ 1500
Wells Fargo Plat Visa @ 800
80% of my spend was on Zync, now it'll be on Plat.
15% of my spend is on Discover More.
The other accounts collect dust.
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