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09Lexie
Posts: 25,910
Registered: ‎09-13-2012
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Re: Garden Club Meeting - April 2013

Hey myjourney! That silver spade sure looks spiffy!
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Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
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Re: Garden Club Meeting - April 2013


09Lexie wrote:
Hey myjourney! That silver spade sure looks spiffy!

Thanks i was so so happy to finally pick it up today!

I feel proud I made the first part now on to part 2

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


New Contributor
Blurbz
Posts: 115
Registered: ‎03-14-2013
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Re: Garden Club Meeting - April 2013

I'm jumping in here. I'm a little worried that I'm AMEX heavy and I don't like my CU card because the rewards are terrible, but I don't think I want another HP and new TL reporting right now.  Oh well...Garden it is, I suppose!

Established Contributor
shaun2009
Posts: 648
Registered: ‎03-07-2013
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Re: Garden Club Meeting - April 2013

My question is ok FICOs only take in part 6 month or less INQs so does that mean after 6 months try or dont just a crazy question because i know INQ fall off 2 years from the date they are done...

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
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myjourney
Posts: 26,602
Registered: ‎02-07-2013
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Re: Garden Club Meeting - April 2013

[ Edited ]

shaun2009 wrote:

My question is ok FICOs only take in part 6 month or less INQs so does that mean after 6 months try or dont just a crazy question because i know INQ fall off 2 years from the date they are done...


INQ's affect your score the most for the 1st year If I remember your case you applied for card twice denied ? IMO I would garden 7-9 months and then apply after your scores rebound from all the hits/INQ's

EDIT Chase likes to see around a yr of history for approvals

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
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Re: Garden Club Meeting - April 2013

 

Welcome to April fellow gardeners :smileyhappy:

 

Happy to say I made it through March along with many others.  Also nice to know I'm only about a month from a gold spade.  I have to admit though, I know better than to app for now and expect anything other than a denial or "toy CL" with my util being too high.  The 0% offers are awesome, but they don't last forever, so that issue will soon drop in stages. 

 

Worst part is seeing really good bonus offers and pretty much ignoring them out of habit :smileylol:  And that habit developed rather quickly after I got the NFL World MC.  The main card I think I would like next is the Costco TE AMEX  (for when they build one fairly close lol).

 

Nice thing about this month for me, is that I should see a few INQs drop off when they hit the 2 year mark.   I'm curious though if anyone might know, does SW send you an alert if and when that happens?  I haven't subscribed to it long enough to find out.

 

I also realize, after reading through the thread, I don't think I've seen a Diamond siggy yet.  I hope that isn't a sign that if you frequent the forum, your chances of getting one lower because  you read about all the offers and successes.  :smileyfrustrated:

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myjourney
Posts: 26,602
Registered: ‎02-07-2013
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Re: Garden Club Meeting - April 2013


RyVision wrote:

 

Welcome to April fellow gardeners :smileyhappy:

 

Happy to say I made it through March along with many others.  Also nice to know I'm only about a month from a gold spade.  I have to admit though, I know better than to app for now and expect anything other than a denial or "toy CL" with my util being too high.  The 0% offers are awesome, but they don't last forever, so that issue will soon drop in stages. 

 

Worst part is seeing really good bonus offers and pretty much ignoring them out of habit :smileylol:  And that habit developed rather quickly after I got the NFL World MC.  The main card I think I would like next is the Costco TE AMEX  (for when they build one fairly close lol).

 

Nice thing about this month for me, is that I should see a few INQs drop off when they hit the 2 year mark.   I'm curious though if anyone might know, does SW send you an alert if and when that happens?  I haven't subscribed to it long enough to find out.

 

I also realize, after reading through the thread, I don't think I've seen a Diamond siggy yet.  I hope that isn't a sign that if you frequent the forum, your chances of getting one lower because  you read about all the offers and successes.  :smileyfrustrated:


Welcome back we made it

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
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Re: Garden Club Meeting - April 2013

In the garden since last year,staying till aug 2014....
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
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Re: Garden Club Meeting - April 2013


Smug wrote:
In the garden since last year,staying till aug 2014....

Congrats you should update your sig for that fine gold spade you have earned that's a very nice accomplishment indeed:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Moderator
Revelate
Posts: 9,477
Registered: ‎12-30-2011
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Re: Garden Club Meeting - April 2013

[ Edited ]

Haven't been around much, work is incredibly busy right now and I'm stuck in the middle of everything seemingly in my little universe.  It's not so much relaxing, but definitely getting into the scotch here :cattongue:

 

EQ FICO dropped from 660 at the end of Feb to 646, not quite certain what triggered that but time to go update the siggy again.  I had thought all my accounts had reported by February, so it's possible I let too mahy accounts report a balance or there was some strange and improbable bucketing event.  Most likely I just did something stupid /shrug.  

 

In happier news I did get my Amex CLI; and closing in on my silver spade on 4/15. In less happy news my Freedom was a victim of fraud heh, was so looking forward to using that card for my restaurant spend in April but guess that has to wait for a bit... BOFA > Chase though with regards to fraud detection, but in fairness BOFA has had a lot more time to look at my spending habits and Chase doesn't have that benefit.  $700+ at Lowes / Home Depot 25 miles away, seriously I live in an apartment and have a Lowes within walking distance and a HD not much further.

 

Anyway party on folks, and thank you as always for the mini-quiches Tinu, they never fail to make me smile.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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