Credit Cards

[webhopper]

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CC365 wrote:

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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 addresses tinu allowed me to keep my silver spade at the time so it didn't count I have of course refinanced every thing that has a note since then so its moot!

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Since you have the power until the 16th you can always issue yourself a pardon and get your silver spade back  

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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)

[CreditWorld2013]

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webhopper wrote:

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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)

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I hear you! I've gotten on base with pretty much all the banks I want to deal with for the time being (Discover More, Chase Freedom, Capital One Journey, Citi Forward) now I will sit back and just look for increases in a few months. Hopefully soft and if approved I will wait for them to report then allow Chase to do a hard pull and hopefully match. I checked the Bank of America Offer page and it came back with the 3-2-1 or something like that but I'm not crazy about them. I do have to admit I'm tempted about the Citi Dividend card since they usually offer good limits but I don't think they would like someone new to credit getting 2 of their cards in 9 months. Other than that I'm looking forward to gardening and growing! 

[webhopper]

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

[thankfulheart]

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?

[webhopper]

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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?

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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....

[CreditWorld2013]

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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

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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]

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).

[webhopper]

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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).

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I'm definately keeping my zync. congrats on your success and welcome back to the garden!!!

[dabrian]

App free since 9/28/12 and plan on staying that way until probably March when I plan on applying at Penfed if my scores are where I think they will be.

[j_casteel]

left the garden to join NFCU and app for the cashRewards card....hope it pans out for me!!