Garden Club Meeting - August 2014

[Swapmeet]

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@myjourney wrote:

On behalf of the GC club

Welcome To The Gardens Friday Night Social Event

Garden rules apply

No Drapping Allowed

Respect Everyone's Opinion

Drink responsibly in the virtual world as well as in the real world

Have fun

Any Friday is : Open Forum ....answer a question or ask a question.

If you're new to the garden and would like to know something about the garden or have questions please ask. If we can't answer it we will point you in the right direction.

Tonight's question

What motivates or helps keep you dedicated to gardening?

I'm at a point in my credit journey where there are no cards currently being offered that fit my needs or that I feel the bonus is worth the HP which will affect me for the next 2 years. (MJ)

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When I want to garden, it is the want of having my CRs in the perfect position to be approved for whatever my goal is. I plan very carefully and well ahead in order to reach whatever goal I set. Today, for instance, I reached my gardening goal, which was to have only 3 inqs in the last 12 months on EQ so that I can request cli on my two usaa cards, which I just did. My first two Credit Lines over 20k. Now it is back to gardening until I apply for Sallie Mae in Oct (I've been planning on this for around 8 mos. My arrival just hit the 6 month mark).

[mongstradamus]

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@DarkMoonLily wrote:

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@mongstradamus wrote:

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@DarkMoonLily wrote:

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@mongstradamus wrote:

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@DarkMoonLily wrote:
Update on Cap1. So no it wasn't eligible to be upgraded but the rep said that in future it could be BUT she waived my annual fee for 1 year. So in 1 - 2 days I will see a $39 dollar credit on my account Worth it.

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That pretty nice if she waives the AF its basically the same thing as having an regular QS correct ?

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Basically Since I'm gonna keep  periodically checking for upgrade eligibility throughout this coming year. I'm hoping to be able to PC it before the AF hits next august since she waived until next august.

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I would try again in six months put it down on your phone's calender to try again in six months. Look at the upside you are getting 1.5% cashback !!! 

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1.5% is pretty awesome I will admit!

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I am starting to use my QS an lot more recently i rotate CSP and QS depending on my mood lol. 

[creditnocash]

Keeping my butt in the garden this weekend. 

walmart fico up to 697! need to lower utility. 

its hard going back to cash especially with all these rewards. 

[creditnocash]

what motivates me to garden? 

as long as im making my payments on time, and letting inq's age off i dont really mind gardening. 

we all went a time without applying for anything until we were old enough too. 

im planning on refinancing my car next august, and a house in the next 3 years. 

my credit will be nice and long. maybe even another backdated amex  

[mongstradamus]

What is keeping me in garden is little bumps in scores till the right offer comes around for an "certain" card lol. In genearl i just want to keep my scores up just in case i will ever need to use my credit for something like an emeregency or an loan like new car. I think next car i am thinking about getting is the 2017ish tesla if it ever comes out lol . 

[myjourney]

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@Swapmeet wrote:

---

@myjourney wrote:

On behalf of the GC club

Welcome To The Gardens Friday Night Social Event

Garden rules apply

No Drapping Allowed

Respect Everyone's Opinion

Drink responsibly in the virtual world as well as in the real world

Have fun

Any Friday is : Open Forum ....answer a question or ask a question.

If you're new to the garden and would like to know something about the garden or have questions please ask. If we can't answer it we will point you in the right direction.

Tonight's question

What motivates or helps keep you dedicated to gardening?

I'm at a point in my credit journey where there are no cards currently being offered that fit my needs or that I feel the bonus is worth the HP which will affect me for the next 2 years. (MJ)

---

When I want to garden, it is the want of having my CRs in the perfect position to be approved for whatever my goal is. I plan very carefully and well ahead in order to reach whatever goal I set. Today, for instance, I reached my gardening goal, which was to have only 3 inqs in the last 12 months on EQ so that I can request cli on my two usaa cards, which I just did. My first two Credit Lines over 20k. Now it is back to gardening until I apply for Sallie Mae in Oct (I've been planning on this for around 8 mos. My arrival just hit the 6 month mark).

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Hi ya Swapmeet, 

Very good answer to the question and I agree its much easier with a plan or goal in mind 

Congrats and keep up the good work

[Swapmeet]

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@myjourney wrote:

---

@Swapmeet wrote:

---

@myjourney wrote:

On behalf of the GC club

Welcome To The Gardens Friday Night Social Event

Garden rules apply

No Drapping Allowed

Respect Everyone's Opinion

Drink responsibly in the virtual world as well as in the real world

Have fun

Any Friday is : Open Forum ....answer a question or ask a question.

If you're new to the garden and would like to know something about the garden or have questions please ask. If we can't answer it we will point you in the right direction.

Tonight's question

What motivates or helps keep you dedicated to gardening?

I'm at a point in my credit journey where there are no cards currently being offered that fit my needs or that I feel the bonus is worth the HP which will affect me for the next 2 years. (MJ)

---

When I want to garden, it is the want of having my CRs in the perfect position to be approved for whatever my goal is. I plan very carefully and well ahead in order to reach whatever goal I set. Today, for instance, I reached my gardening goal, which was to have only 3 inqs in the last 12 months on EQ so that I can request cli on my two usaa cards, which I just did. My first two Credit Lines over 20k. Now it is back to gardening until I apply for Sallie Mae in Oct (I've been planning on this for around 8 mos. My arrival just hit the 6 month mark).

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Hi ya Swapmeet, 

Very good answer to the question and I agree its much easier with a plan or goal in mind 

Congrats and keep up the good work

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Thanks bro.

[myjourney]

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@creditnocash wrote:

what motivates me to garden? 

as long as im making my payments on time, and letting inq's age off i dont really mind gardening. 

we all went a time without applying for anything until we were old enough too. 

im planning on refinancing my car next august, and a house in the next 3 years. 

my credit will be nice and long. maybe even another backdated amex  

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Hi ya creditnocash

Agreed it gets easier when just going about managing what you have ........Until something else is needed 

[myjourney]

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@mongstradamus wrote:

What is keeping me in garden is little bumps in scores till the right offer comes around for an "certain" card lol. In genearl i just want to keep my scores up just in case i will ever need to use my credit for something like an emeregency or an loan like new car. I think next car i am thinking about getting is the 2017ish tesla if it ever comes out lol . 

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Hi ya Mong 

You bring up a good point I'd forgotten about the added perks of watching scores go up and SP CLI's which is always nice 

The peace of mind of being able to handle an emergency is always a good feeling

[DaniBananiie]

Hey all!