Credit Cards Center Credit cards from our partners
Reply
Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


parakleet wrote:

I finally received one of my new seedlings - Disco It 5.5k - today. The box was so nice...until I found out my interest rate after the 6m 0% apr is 18.99%! Sheesh. Can a girl get a break here? Anyhoo, I got it mainly for the 18m 0% for BTs so I guess I can worry about growing it after that's taken care of. 18.99%! 

 

I've been thinking a lot about how nice it would be to pay down my debt...so that I can get stuff that I really want - mainly a piano. But that seems so far away right now. I know I should feel good about where I am, things could be a lot worse but it can get little tough somtimes. 

 

*feeling sorry for myself over* Smiley Very Happy Hope everyone had a great day!


Sounds like you have a  plan to me to payoff everything and get that piano. Time is your ally

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Frequent Contributor
Posts: 351
Registered: ‎04-21-2012
0

Re: Garden Club Meeting - April 2013


Candice wrote:
Hi there, I'm returning to the forums after a long hiatus of a few years. I just did some apps and am working on re-building and growing/gardening. Is it too late for me to join in the April discussion?

Never too late.  Welcome to the par-tay!

 

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
____25k________25k________20k________31k________25k___
Starting Score: 732 October 2007; Current Score: 802 EQ; TU 826, July 2016; Goal Score: 810 by end of 2016
Oldest Reporting Account: 14.6 years; EQ AAoA: 6.5 years; typical credit utilization 1.6% typical single card utilization 9.8%
Senior Contributor
Posts: 7,684
Registered: ‎01-05-2013
0

Re: Garden Club Meeting - April 2013


LS2982 wrote:

On the hunt for that elusive gold spade!!!

 

I'MMA GET IT!!!!


You are well on your way!

Senior Contributor
Posts: 7,684
Registered: ‎01-05-2013
0

Re: Garden Club Meeting - April 2013

Starting week #6 in the lovely garden.  Still waiting for my Discover to report to CRAs.

Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


FocusedAndDetermined wrote:

Starting week #6 in the lovely garden.  Still waiting for my Discover to report to CRAs.


Focus your hanging strong 

Way to go!!!!!!

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Senior Contributor
Posts: 7,684
Registered: ‎01-05-2013
0

Re: Garden Club Meeting - April 2013


myjourney wrote:

FocusedAndDetermined wrote:

Starting week #6 in the lovely garden.  Still waiting for my Discover to report to CRAs.


Focus your hanging strong 

Way to go!!!!!!


Thanks, journey.  It hasn't always been easy, but you and the other have helped to keep me on the right path.  Still working uot my plan of action once the It reports, but I can be patient.

Frequent Contributor
Posts: 421
Registered: ‎03-23-2013
0

Re: Garden Club Meeting - April 2013

no apps since......Saturday? Difficult 3 days LOL. I think I've gotten all the CC's I can be approved for right now. Excited to use my new Macy's card this weekend for clothes I actually NEED (just lost almost 50 lbs.) and pay it off and see it report along with my older CC which should only report at 5% the next month.

 

I got caught in a security freeze with my Comenity cards....apparently some times when you get several in a short time from them, they will freeze your accounts until you call and verify some personal information. Well I got one of the questions wrong because they asked me about my aunt (through marriage) and used her last name from her FORMER marriage which was not to my uncle. So when I heard her name said like that I didn't know who they were talking about and said I have no clue who she is! Realized after I hung up the phone who they must have been talking about. Grr! So they said I have to send by mail a copy of my DL, SS card & a utility bill and they will activate my cards. I have received the cards minus VS so far but can't use them until they process my proof of identity which should be in the next week or so.

Highlighted
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - April 2013


myjourney wrote:

parakleet wrote:

I finally received one of my new seedlings - Disco It 5.5k - today. The box was so nice...until I found out my interest rate after the 6m 0% apr is 18.99%! Sheesh. Can a girl get a break here? Anyhoo, I got it mainly for the 18m 0% for BTs so I guess I can worry about growing it after that's taken care of. 18.99%! 

 

I've been thinking a lot about how nice it would be to pay down my debt...so that I can get stuff that I really want - mainly a piano. But that seems so far away right now. I know I should feel good about where I am, things could be a lot worse but it can get little tough somtimes. 

 

*feeling sorry for myself over* Smiley Very Happy Hope everyone had a great day!


Sounds like you have a  plan to me to payoff everything and get that piano. Time is your ally


+1

 

And @parakleet: I can understand that your goal of buying a piano seems far away. While I hate to sound cliche, there is the saying that a journey of a thousand miles starts with one step. Another saying that provided me with comfort during my credit rebuild is: "I may not be there yet, but I am closer than I was yesterday." The point is that if you stay focused and continue to work towards your goal, you will get there eventually. As myjourney stated, time is your ally, and it's going to pass by one way or the other. The trick is to position yourself such that you get to where you want to go. Best wishes to you on your journey.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - April 2013

@ new_earth

It will get easier. Congrats on that weight loss! Awesome job!
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - April 2013


FocusedAndDetermined wrote:

Starting week #6 in the lovely garden.  Still waiting for my Discover to report to CRAs.


Other than the new account ding, I enjoy seeing a new account report. To me, it feels like the seedling starting to poke its head through the soil and beginning its growth. From there on out, the more the number of months reported, the more firmly established the TL. I hope that your seedling greets the sunlight soon. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.