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Garden Club Meeting - April 2013

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09Lexie
Moderator Emerita

Re: Garden Club Meeting - April 2013

Message 1111 of 2,152
09Lexie
Moderator Emerita

Re: Garden Club Meeting - April 2013

Message 1112 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@creditnocash wrote:

almost 8 months no inquries! 5 months no changes too cr(new accounts) 

 

and that has earned me a second auto cli on my freedom. from 1k too 1.5k (ive had the card since july) 

util reportin is about 20% and card had 50% util on it

 

went a little crazy on starbucks last quarter. 


Way to goSmiley Wink

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?
Message 1113 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@GST2008 wrote:

No new apps since May 2009, 3 years 11 months.  Finally well into the 700 Club, going for 800!


My hero that's a magnificent achievement

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?
Message 1114 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@YahComb wrote:

saturday the last of my late winter/early spring spree from 2012 inqs hits 1 year. Racked up 3-7-6 inqs on EX. EQ, TU from feb-april 2012. i'll be down to 2, 3, and 3 in the last 12 months after saturday, and when may hits, 1 inq in the last 6 month between all 3 reports (us bank, december, equifax).

 

Trying to hold until at least june, to see what effect it has on my score to have no new accounts under 6 months.


Nice INQ's dropping like flies

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?
Message 1115 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@NewtoCredit80 wrote:

I am also in garden since last Thursday. One full week. Just have 2 cards PNC secure and Chase amazon visa card. Hoping to stay in garden for 6 months and then apply for couple of good reward cards.

 


Congrats gardening gets easier as time passes. Keep up the good work

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?
Message 1116 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@rtw wrote:

103 days in the garden. Still feeling good. Applying my anti-itch cream everyday.


I have extra itch cream if you need it Lol 

Good Going

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?
Message 1117 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@starry1 wrote:

I decided not to pull the trigger on NFCU, so I am now one month and one week in the garden.  Can I get a magnum of french champagne or something?Smiley LOL

 

Though i did have a collector pull a hard on my equifax.  That doesn't count, right?  I'm working on getting it removed since the jerks were discharged in bk and have no right to pull my report.

Per your request no drapping deal? You're doing fine starry1 bravo

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?
Message 1118 of 2,152
myjourney
Super Contributor

Re: Garden Club Meeting - April 2013


@Swapmeet wrote:

@starry1 wrote:

I decided not to pull the trigger on NFCU, so I am now one month and one week in the garden.  Can I get a magnum of french champagne or something?Smiley LOL

 

Though i did have a collector pull a hard on my equifax.  That doesn't count, right?  I'm working on getting it removed since the jerks were discharged in bk and have no right to pull my report.


Nice job! If I was qualified to be a member of NFCU, it would be extremely hard not to immediately apply for membership/credit with them In fact, I doubt that I would resist much. Instead, I am counting down the days until I get my silver spade, which I plan to have for about a week before a cli request from USAA and a Discover app pull me out in about 25 days, or so.


You've done very well with your gardening indeed the sliver spade is going down...

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?
Message 1119 of 2,152
SteveCi
Established Member

Re: Garden Club Meeting - April 2013

Hi Everyone!

 

I'm not fully ready to enter in my gardening application just yet! I Can't wait though!

 

I'm 25 and applied for my first credit card this week! Figured i'd go app crazy until I was denied by someone and then farm and boost my AAoA. 

 

Amex PRG - Approved NPSL

Amex BCE - Approved 2k

Walmart Discover - Approved 1k

 

I (need??) a Visa or MC. I have had my eye on Chase Freedom; Would you recommend a different one instead? What's your favorite revolving card

FICO (04/14): 752 1) Too many inquiries 2)Student loan

Message 1120 of 2,152
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