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Valued Member
Posts: 29
Registered: ‎01-29-2011
0

Re: Garden Club Meeting - April 2013

I'm new in the garden. I have all the cards that I need and with substantial CL. I'm just waiting till 2015 when I can buy house. Been app free since March 26.. lolSmiley Happy


Starting Score: 600
Current Score:EX FICO 778 EQ FICO 732 TU FICO 775
Goal Score: 800
NFCU Cash Rewards Sig (16K), Amex BCE(10K), Delta Skymiles(20K) Discover IT(8K), CITI HHonors(10K), CSP (8K), CITI TYP(5K) CITI Diamond Preferred(4K), Amazon Store Card(2.5K),


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

Re: Garden Club Meeting - April 2013


Bella1980 wrote:

Quick question.

 

I won't leave the garden if my credit gets pulled for an apt rental right?


That's correct. We've made certain exemptions (job application, apartment rental, utilities, etc.) and this would be one of them, so you'll be fine. The rule of thumb is that if your credit gets pulled for something that's not an application for credit per se, and there isn't the possibility of it showing up as a new TL on your reports, then it's exempted from counting against your GC recognition level.


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

Re: Garden Club Meeting - April 2013

@myjourney -- oh, that looks so yummy!!! 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
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Garden Club Meeting - April 2013

Still here. Been in the garden over 4 months~ 130 days to be exact (yes I am counting..lol).

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Posts: 1,577
Registered: ‎08-30-2011
0

Re: Garden Club Meeting - April 2013

In the Garden since February.  It's true, like any addiction, if you can make it 28 days, the ones beyond that become easier. 

 

Did get a CLI from Lowes...a $4K increase to $10K!  No pull whatsoever...no hard...no soft...nada! 

EX = 828 EQ = 846 TU = 833 as of 02/2016
Retired and Retiring Cards!
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


tinuviel wrote:

@myjourney -- oh, that looks so yummy!!! Smiley Happy


Any request?Smiley Happy

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: 390
Registered: ‎03-24-2013
0

Re: Garden Club Meeting - April 2013

App free since March 25th. Letting my four new accounts grow for at minimum 6 months before getting some of my other planned cards. Future cards include Penfed Rewards and CSP but that isn't for a long while.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


calihlove75 wrote:

Still here. Been in the garden over 4 months~ 130 days to be exact (yes I am counting..lol).


Good Job

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?
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


thom02099 wrote:

In the Garden since February.  It's true, like any addiction, if you can make it 28 days, the ones beyond that become easier. 

 

Did get a CLI from Lowes...a $4K increase to $10K!  No pull whatsoever...no hard...no soft...nada! 


It truly does become easierSmiley 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?
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Garden Club Meeting - April 2013

This quarter ended with 3 new additions, a NavCheck, Chase Freedom and a Paypal SC for a total CL of an additional $9k. After 2012 closed out with a bang I could have stayed in the garden, but temptation lured me out.

I've gotten all that I reasonably could so my wallet is fat now. I'm satisfied enough to just let my garden grow. My goal is no new cards until this time next year. I need to work on getting the last 2 baddies off so my scores can all be over 730.

So I am in the garden now getting ready for spring blooms! I can't wait to change my seedling!

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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