@CC365 wrote:
@webhopper wrote:They wanted to see if I qualified to establish service. All equipment was free and installation was free. I set up service for 3 addressestinu allowed me to keep my silver spade at the time so it didn't count
Since you have the power until the 16th you can always issue yourself a pardon and get your silver spade back
No way! Gardening is too important to shortcut the results... that would be anti- gardening! Seriously though! I view gardening as a very important part of a healthy financial strategy. Better to set yourself up to knock it out of the park with a home run when you do apply rather than to just get on base from a bunt.... (low limits or high APR)
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
I am way more excited about one house at 4% and the other at 3.75% and one used car at 4% down from 7.5% and my new car at 1.79%.... The only card I see myself wanting is PR Gold so that I will get the bonus for spending more than 30k per year on the card. Otherwise in a way gardening is somewhat like learning how to be content with what you have and leaving yourself available and ready to take advantage of the right opportunity. My garden is a Zen Garden 
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@thankfulheart wrote:Question for my fellow gardeners...is it time to pull the Cap1 plants when the next AF is set to hit? I will not diss them as they were good to me when I had nowhere else to go and helped me get to prime land. Since I'm adding my scrawny little $1,000 USAA card to the mix, I would only have a net loss of $500 in CLs.
Anything else I'm missing in the logic?
My advice would be to add another USAA card to the mix, as it will grow with you over time. Then kick Cap 1 to the curb. Or, consider calling Cap 1 executive office and ask if they can combine limits on them and switch you to a non-AF product....
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:
I am way more excited about one house at 4% and the other at 3.75% and one used car at 4% down from 7.5% and my new car at 1.79%.... The only card I see myself wanting is PR Gold so that I will get the bonus for spending more than 30k per year on the card. Otherwise in a way gardening is somewhat like learning how to be content with what you have and leaving yourself available and ready to take advantage of the right opportunity. My garden is a Zen Garden
Well, I feel somewhat embarrased and excited at the same time... I joined the garden a few days ago...gave into the app....and now I'm back in the garden. Only this time I'm complete for quite sometime.
My New Portfolio:
1) Discover More - $1,000
2) Capital One Joruney - $1,000
3) Citi Forward - $1,000
4) Citi Dividend Select - $2,500 (NEW)
5) Chase Freedom - $500 (NEW)
@YahComb wrote:I Applied for a card last sunday. got it today, approved for 6500. probably not going to app for an AMEX early next year anymore. will probably wait until 2014 now. i may be amex-less when april rolls around and i probabbly cancel my zync (assuming they haven't product changed it by then).
I'm definately keeping my zync. congrats on your success and welcome back to the garden!!!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
