Garden Club Meeting - April 2014

[WillTeasle]

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@azguy13 wrote:

So I am really hoping to get a good CLI at the 6 month mark with Discover. I have been throwing a lot on the card and I plan to let a balance report and then PIF. I have no interest in apping for anything soon so I am going to experiment with some tactics for a good CLI, lol. 

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You?!?  Lol.  I've already PIF once this first billing cycle and I'm still close to getting back to 33% UTL on my Discover card.

[Shogun]

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@azguy13 wrote:

So I am really hoping to get a good CLI at the 6 month mark with Discover. I have been throwing a lot on the card and I plan to let a balance report and then PIF. I have no interest in apping for anything soon so I am going to experiment with some tactics for a good CLI, lol. 

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Sounds like a good plan.  And you've got some really nice TLs already.  Gardening is just going to make them grow.

[azguy13]

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@Shogun wrote:

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@azguy13 wrote:

So I am really hoping to get a good CLI at the 6 month mark with Discover. I have been throwing a lot on the card and I plan to let a balance report and then PIF. I have no interest in apping for anything soon so I am going to experiment with some tactics for a good CLI, lol. 

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Sounds like a good plan.  And you've got some really nice TLs already.  Gardening is just going to make them grow.

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Yea, my score has been steadily going up for the last 6 months or so. The only time it went down was due to a new TL and my mortgage closing. Although, my mortgage reporting as paid/closed only made my EX go down. My EQ jumped 33 points or so after they took off the 30 day late and TU stayed the same. 

[-Wade-]

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@azguy13 wrote:

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@Shogun wrote:

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@azguy13 wrote:

So I am really hoping to get a good CLI at the 6 month mark with Discover. I have been throwing a lot on the card and I plan to let a balance report and then PIF. I have no interest in apping for anything soon so I am going to experiment with some tactics for a good CLI, lol. 

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Sounds like a good plan.  And you've got some really nice TLs already.  Gardening is just going to make them grow.

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Yea, my score has been steadily going up for the last 6 months or so. The only time it went down was due to a new TL and my mortgage closing. Although, my mortgage reporting as paid/closed only made my EX go down. My EQ jumped 33 points or so after they took off the 30 day late and TU stayed the same. 

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I don't understand TU scoring myself  I got a 28 point drop from TU with my new TL and Inq and only a 11 point drop from EQ

[mariasoccermom11]

funny people avoiding me, whatever im done on this forum... 

[azguy13]

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@WillTeasle wrote:

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@azguy13 wrote:

So I am really hoping to get a good CLI at the 6 month mark with Discover. I have been throwing a lot on the card and I plan to let a balance report and then PIF. I have no interest in apping for anything soon so I am going to experiment with some tactics for a good CLI, lol. 

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You?!?  Lol.  I've already PIF once this first billing cycle and I'm still close to getting back to 33% UTL on my Discover card.

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I always PIF as well, but this time I am not so I can try some things out. God knows I have the time, lol. Honestly, I don't see why I should worry too much about my score when I will not be apping. Granted, I dont want it to drop 50 points, but 10 points or what not due to an experiement is nothing to me. It wont be hard to fix if it is just a UTL thing. 

[sailor_mercury]

My Commenity VISA statement came today... Bal.... $0.00 

[-Wade-]

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@mariasoccermom11 wrote:

funny people avoiding me, whatever im done on this forum... 

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I am not avoiding you. I welcome you in here if you will look back

[-Wade-]

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@sailor_mercury wrote:

My Commenity VISA statement came today... Bal.... $0.00 

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Congrats on the 0 bal i love them also

[WillTeasle]

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@azguy13 wrote:

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@WillTeasle wrote:

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@azguy13 wrote:

So I am really hoping to get a good CLI at the 6 month mark with Discover. I have been throwing a lot on the card and I plan to let a balance report and then PIF. I have no interest in apping for anything soon so I am going to experiment with some tactics for a good CLI, lol. 

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You?!?  Lol.  I've already PIF once this first billing cycle and I'm still close to getting back to 33% UTL on my Discover card.

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I always PIF as well, but this time I am not so I can try some things out. God knows I have the time, lol. Honestly, I don't see why I should worry too much about my score when I will not be apping. Granted, I dont want it to drop 50 points, but 10 points or what not due to an experiement is nothing to me. It wont be hard to fix if it is just a UTL thing. 

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Yeah, I'd let a balance post for a bit to test it too.  However, with my dinky line I have to be careful that the balance I let post (or carry during 0%) isn't close to maxing the card out.