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Garden Club Meeting - February 2012

Senior Contributor

Re: Garden Club Meeting - February 2012

Eh.  I WAS interested in the Chase Freedom, but with all of the posters complaining about 17.9 percent apr, it wouldn't do me any good anyway.

 

STILL sitting in the garden...no apps since December something...trying to wait for 01 November to apply for a BT card......



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 581 of 590
Frequent Contributor

Re: Garden Club Meeting - February 2012

Paid down all balances and now I'm just waiting for them to report so I can see the results.  Just sitting in the Garden smelling all the flowers!

Message 582 of 590
Blogger

Re: Garden Club Meeting - February 2012


tonyaether wrote:

Bottom line, and I guess a FICO101 rule, if you don't need it then don't seek it. That's what I am going to live by for right now and see what happens.


That's my reasoning as well.

Have had some people telling me to app for a Zync, but I'm just not feeling it. I have 3, don't need anymore for now. Maybe by the end of the year. But for now, it's almost spring time. Garden, garden, garden.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 583 of 590
Frequent Contributor

Re: Garden Club Meeting - February 2012


FrugalRican wrote:

tonyaether wrote:

Bottom line, and I guess a FICO101 rule, if you don't need it then don't seek it. That's what I am going to live by for right now and see what happens.


That's my reasoning as well.

Have had some people telling me to app for a Zync, but I'm just not feeling it. I have 3, don't need anymore for now. Maybe by the end of the year. But for now, it's almost spring time. Garden, garden, garden.


 

 

 

 

I will be honest with you frugal, I get up here and start reading and I get pumped.  Sometimes reading the posts make you want to app just to see if you will get the card.  I started really thinking about it and evaluating everything. I just thought to myself, there is just no need.  If/when I can justify having a higher limit or applying for something I will.  But for my personal finances right now it's pointless.  

Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Message 584 of 590
Valued Contributor

Re: Garden Club Meeting - February 2012

checking in app free 25 days... paid 4 cards off planing on paying almost half of my other two cards in march...zync is helping me keep my money in check..might app for freedom in six months

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 585 of 590
Mega Contributor

Re: Garden Club Meeting - February 2012

Had a "moderate itch" for the Chase Freedom yesterday but recovered nicely!!!

 

I'm staying app free until July!!! Smiley Happy




EQ FICO 548 3/3/16
Message 586 of 590
Frequent Contributor

Re: Garden Club Meeting - February 2012

Good Job LS !

 

I have been gardening to try and qualify for my Credit Union Visa - my utilization was at 71% and should report under 9% any day now. But my scores are currently low 600's.  I asked the CSR what are the score requirements and they said they could not share their underwriters requirements. She asked what I felt mine were and I told her what I'm hoping they'll be soon - she said I can call her when I'm ready to apply and do it over the phone if I wanted to take down her number. But I was driving and told her I'd just try online next week. Guess I was hoping she'd say something like..you should be fine but she just didnt sound enthusiastic. Smiley Sad

 

Left me feeling blue -as if I dont qualify.  Oh well, I'll still give it a shot and see what comes. 

 

just sharing

 

gardening truly equals patience, but feels like detention!  Just teasing...I know, "Good things come to those that wait".

Message 587 of 590
Moderator Emeritus

Re: Garden Club Meeting - February 2012

Hi, folks!

 

Still here, still app free. I got snowed under with work for a couple of days, but I'm caught up now. I'll start a new thread tomorrow morning. The end of the month is almost here!!!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 588 of 590
Mega Contributor

Re: Garden Club Meeting - February 2012

Depressed....Smiley Sad

 

Oldest account (10 years) dropped off EQ today. Probably going to kill my FICO score.




EQ FICO 548 3/3/16
Message 589 of 590
Highlighted
Frequent Contributor

Re: Garden Club Meeting - February 2012

i am done with credit card for least 1 year to 2 by time get back here should be everything clean.fact is i want chase cc but can't i am blacklist.

Message 590 of 590