Reply
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


TNTransplant wrote:

I'm in...

 

Here again after two successful 6 month stints in the garden: 12/12 - 5/12 (really started me off well by adding a couple of higher limit accounts that decreased my utilization and got me rolling), and the most recent 6 month round from 9/12 - 3/12 (stepping out this time was precipitated by a "preapproval gone wild" for a mortgage, so I took 2 deliberate HPs for PenFed and a CLI on my BoA and got great results from those).  I'm proof positive that gardening works.

 

I'm really in indefinitely now.  I got my coveted PenFed card, and since my job situation is in limbo (i.e. where I'll be working) I have put off even considering a mortgage for the forseeable future.  I will have two HPs dropping off EX in April so this is a good month to resume gardening.

 

Oh yes, almost forgot to mention that I finish grad school this month and will soon be starting my new (better paying?) career - yeah me!   Smiley Very Happy


Congrats keep it going strong

+ Chase ink =




Established Contributor
Posts: 648
Registered: ‎03-07-2013
0

Re: Garden Club Meeting - April 2013

Well hello everything im just starting to garden well accord to the rules i actually started in January but i kinda did an app ... so i guess im starting over ... hows everyone tonight?

Current Credit Cards
| PayPal MC: $10K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, US Bank Cash+
Last Application: 10/3/2014
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


shaun2009 wrote:

Well hello everything im just starting to garden well accord to the rules i actually started in January but i kinda did an app ... so i guess im starting over ... hows everyone tonight?


Welcome to the garden no more INQ's and watch your scores grow...good luck

+ Chase ink =




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

Re: Garden Club Meeting - April 2013


myjourney wrote:

tinuviel wrote:

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


Any request?Smiley Happy


Not tonight, thanks. I'm stuffed, so I hope to be able to take a raincheck. I hosted family at my house today and we had a big meal. I'll pop in tomorrow and sit back for a relaxing visit, and perhaps you'll be kind enough to put something together for me then. Until then, I hope that everyone has a wonderful night. 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
Member
Posts: 13
Registered: ‎03-22-2013
0

Re: Garden Club Meeting - April 2013

Hi everyone!!!! im new to the garden!!! and im planning on staying for 1 full year so i can app and get my first prime card!!! (Discover it or freedom). I just have 8 months of credit history,no lates or baddies, just starting in the credit world.  Started with an Opensky secured and a first premier secured that i just closed. 1 month ago i got a preapproval from Sams Club by mail, i was really excited!!! so i got approved for 2.5k, and this is when all started.... i started an app spree and got some GE cards, but ended with alot of inqs , like 14 in TU, 15 in EQ and just 1 in EX. like 5 months ago i applied for a discover IT and got denied for short credit history and too many INQ, so i tried again in my spree and got denied for the same thing again.... so i learned my lesson. Im planning on staying in the garden for 1+ year and then apply again for the discover it or freedom, and maybe penfed. Do you guys think this will be enough time?  Thanks all!

WM TU Fico : 721 (05/04/13) EQ FICO : 676 (05/16/13) EX Plus: 741

____20k_________5k__________3k_________1.2k______
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


InfamousRSX wrote:

Hi everyone!!!! im new to the garden!!! and im planning on staying for 1 full year so i can app and get my first prime card!!! (Discover it or freedom). I just have 8 months of credit history,no lates or baddies, just starting in the credit world.  Started with an Opensky secured and a first premier secured that i just closed. 1 month ago i got a preapproval from Sams Club by mail, i was really excited!!! so i got approved for 2.5k, and this is when all started.... i started an app spree and got some GE cards, but ended with alot of inqs , like 14 in TU, 15 in EQ and just 1 in EX. like 5 months ago i applied for a discover IT and got denied for short credit history and too many INQ, so i tried again in my spree and got denied for the same thing again.... so i learned my lesson. Im planning on staying in the garden for 1+ year and then apply again for the discover it or freedom, and maybe penfed. Do you guys think this will be enough time?  Thanks all!


Welcome to the forum and the garden

Stay for awhile let the cards you have grow and im sure next time discover will be an approval

+ Chase ink =




Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Garden Club Meeting - April 2013


myjourney wrote:

Silver today Smiley Wink


Nice Smiley Happy Congrats!! 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


Pilotdude wrote:

myjourney wrote:

Silver today Smiley Wink


Nice Smiley Happy Congrats!! 


Thanks Pilotdude 90 more to goSmiley Wink

+ Chase ink =




Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Garden Club Meeting - April 2013

I am here since March 27th when my app spree went 4 out of 4.

Gonna do 3XCLI in 61 on the BCP and then nothing til 6 month mark when I app for the CSP. Smiley Happy

 

So you all are stuck with me.  HA!  Smiley Tongue


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013

Ha ha ha yep stuck with you

+ Chase ink =




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 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.

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.