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Valued Contributor
tcbofade
Posts: 2,448
Registered: ‎09-26-2011
0

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......


Current Scores: EX 694 (FCR) TU08: 641 Wally.11/27/14
Last app 05/29/2014.
Being held hostage in the garden until further notice...
Zero percent financing is where the devil lives...
Frequent Contributor
payingoffdebt001
Posts: 406
Registered: ‎04-15-2011
0

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!

Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

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)

Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011
0

Re: Garden Club Meeting - February 2012

[ Edited ]

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.  


Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!
Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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!!! :smileyhappy:




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
payingoffdebt001
Posts: 406
Registered: ‎04-15-2011
0

Re: Garden Club Meeting - February 2012

[ Edited ]

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. :smileysad:

 

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".

Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - February 2012

Depressed....:smileysad:

 

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




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
Regular Contributor
911gt34life
Posts: 236
Registered: ‎01-02-2010
0

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.


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