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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Garden Club Meeting - February 2012

I'm here!!!


3 Weeks app free!!!Smiley Happy


Locked down in here for sure until July. Then trying for Discover again!


Then i'm back in for 6 more months!


And then Reviisit AMEX....

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 389
Registered: ‎11-27-2010

Re: Garden Club Meeting - February 2012

I'm gardening until my only 2 EX apps fall off in May.


I'd really like to open a Citi 21 months 0% card for my honeymoon, and I'd also really like a sapphire preferred. However I've recently started thinking about buying a home. I'm not really sure where to go from here.

Starting Score: 703
Current Score: EQ 773 4/11/14
Goal Score: 800

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Posts: 107
Registered: ‎08-20-2011

Re: Garden Club Meeting - February 2012

Have no intention of applying for anything anytime soon, just watching things grown.  


AMEX BCE $6,000 (still another month or so from next CLI)

USAA Visa $8,000

Also have my Chase Amazon just chilling there, 2 years at $1,000...



I've debated going for the Walmart card just to get the free FICO, but my TU has NO INQ on it and therefor it really doesn't matter for me Smiley Tongue

Valued Member
Posts: 49
Registered: ‎10-27-2011

Re: Garden Club Meeting - February 2012

I'm in gardening mode starting todaySmiley Happy.  Got all I want in terms of credit.  Just gonna try for soft CLI's from here on for the next 2 years and see if I can get in the 800 club.  I want all my inquiries to fall off before I even app for anything else.  When I do decide to app I'm gonna stick with Amex cause of their backdating to 2000 for me.  Don't wanna lose my AAoASmiley Wink

Starting Score: EQ 686, TU 722, EX 702
Current Score: EQ 838 (01/08/14 MyFico), TU 836 (01/14/14 Wally), EX 832 (01/14/14 FNBO)
Goal Score: 800+ Across The Board

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Established Contributor
Posts: 607
Registered: ‎09-08-2011

Re: Garden Club Meeting - February 2012

[ Edited ]
Im officially back in the garden! I only want 1 more card, USAA, then my wallet will look absolutely the way I want it. I have 3 EQ inq, 2 of which will fall off in 8/2011. I plan to get the USAA in 9/2011. So from now until then, NO apps! I will nourish my cards, and they may be fertilized with CLI, but only if it's a soft pull. I will keep checking in just to stay on track...

Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760

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Current Score: 800
Goal Score: 850

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Established Member
Posts: 16
Registered: ‎12-06-2011

Re: Garden Club Meeting - February 2012

Hello Gardeners,

  I'm fairly new to gardening and I'm looking for some fertilizing advice..

Im my garden so far..


1-Discover More -1700 (New just from few days ago)

2-Cap 1 Platinum - 1300 (Almost 3 years, don't want to grow much.. That's why the new additions)

3-HSBC - 1000 (New just from few days ago)


By the end of 2012 ALL my INQ will fall off , except the two new above,  My score took 2 points ding at least on EQ by those two INQ's, I guess I could live with that. But I need to be aware of the limits, It took me long time to get here post BK7.


Question: Can someone elaborate on the "Soft Pulls" is there a way that I can control those? I know the CC will automatically review your account for that every so often, is there a way I could initiate a CLI and be a Soft Pull? Not planning to do so now, since there are just planted, but for future reference.


Question: How many INQ I or someone could do, without  hurting your scores too much and without looking riskier? 



Regular Contributor
Posts: 249
Registered: ‎07-21-2011

Re: Garden Club Meeting - February 2012

Still in the garden! I went a little crazy with the shopping over Christmas and last month, so I'm reigning it in and paying down my balances. I should be all set by April, and in May I can app for Citi Forward and AmEx BCP. 

Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3

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Posts: 84
Registered: ‎02-14-2011

Re: Garden Club Meeting - February 2012

Trying to purchase house end of year so keeping myself app free till 2013. Letting AAoA build and inquiries fall off. Maybe closing some small limit rebuilder cards before AF hits.

Valued Contributor
Posts: 1,142
Registered: ‎09-01-2011

Re: Garden Club Meeting - February 2012

Still down on my knees gardening away and praying for a good FICO score to be generated. 

Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007

Re: Garden Club Meeting - February 2012

I think I have decided I am going to really work my Discover card hard this year to see where that might get me. I have some great limits on other cards, but Discover just does not seem to like me. So, I'll take it back out of the SD and use it where I can to see if I can get it to grow. Right now, the CL is $1500 and most of the other cards range from $5 to $25k.


One year and if no luv, I will close it out.  Smiley Mad


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