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Garden Club Meeting - February 2013

Regular Contributor

Re: Garden Club Meeting - February 2013

Ok, it's not even February and I've already fallen out of the garden! I decided to app for the Citi Thank You Premier card because I stopped participating in the commuter pre-tax program at work, and have been looking for a good card to earn rewards when I buy my monthly metrocard. I was instantly approved for $6500! The AF is waived for the first year, and I will then assess how well this card works for me. I'll earn rewards for grocery stores and drugstores too, so hopefully this wasn't a total waste of an INQ. 

 

ETA: Though this was a kind of spur of the moment app, it's also been about 10 months since my last app, so I'm not too worried. 


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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Message 11 of 345
Highlighted
Super Contributor

Re: Garden Club Meeting - February 2013

Few more days till my gold spade :-)
Message 12 of 345
Senior Contributor

Re: Garden Club Meeting - February 2013


jsucool76 wrote:
Few more days till my gold spade :-)

Me too, Me too!

 

To be honest, I'm awfully frustrated looking around at all of these weeds...util isn't really going down any....scores aren't really going up any...

 

I'm hoping for a FICO boost when my last "new credit" reaches six months old...



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 13 of 345
Senior Contributor

Re: Garden Club Meeting - February 2013


RockinRay wrote:

I picked up a new RF Moeller card this month. Issued by Wells Fargo. My wife wants a new Rolex...

 



Smiley Surprised

 

Ray???

 

You get beatins!

 

(J/K...I'm jealous and you know it!)



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 14 of 345
Valued Contributor

Re: Garden Club Meeting - February 2013


tcbofade wrote:

RockinRay wrote:

I picked up a new RF Moeller card this month. Issued by Wells Fargo. My wife wants a new Rolex...

 



Smiley Surprised

 

Ray???

 

You get beatins!

 

(J/K...I'm jealous and you know it!)


LOL - she deserves a new Rolex. She has put up with me for the last 23 years and has worn her current Rolex for that long. I just got a new one and now she wants a new one too... We will keep her old to pass down to one of the daughters. I plan to sell my old one when it comes back from service.

 

Ever since we lived in Texas, we have worn the "Texas Timex"...  LOL

Ray

** Every Card has a Job, and Every Card does its Job **
Message 15 of 345
Regular Contributor

Re: Garden Club Meeting - February 2013

I make no promises, lol, but I'm going to try to continue gardening. 

 

AMEX just updated on TU so my new cli (sp) and the backdating goodness has arrived according to CK. My AMEX now says opened May 2008 instead of May 2012. 

 

CK says my AAOA is now 5 yrs 11 months instead of 5 years 6 months. Unfortunately, it's still 5 years either way. CK went up 3pts and transrisk 13pts. 

 

Can't wait to see what myFico says. 

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 16 of 345
Frequent Contributor

Re: Garden Club Meeting - February 2013

Still here!!! Woo Hoo!!! Gotta be strong, gotta be strong...

 

Awe man, feel better Tinuviel. That flu that's going around is awful. Take care.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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Message 17 of 345
Frequent Contributor

Re: Garden Club Meeting - February 2013

Back in the garden for another month. If all goes well, I should be earning my silver spade this upcoming month. I still have another 4 months until I decide to apply for the 2 cards I want, so yeah it is taking a lot of patience and restraint to not apply for anything right now, but I figure if I can do it for almost 3 months, another 3 won't be much longer. Tinuivel- Get better soon, I just spent the last few days battling the cold, and have since gotten better so I feel whats going on with you...

 

Good luck to the rest of you in your gardening efforts for the upcoming month!

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 18 of 345
Valued Contributor

Re: Garden Club Meeting - February 2013

I have been loyal to gardening since november. I am 12 days from regaining my silver spade. Hope no itches pop up.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 19 of 345
Moderator

Re: Garden Club Meeting - February 2013

Went through the app spree in January.  Gardening while attempting to figure out how much weedkiller I'm going to need.  Have all the forseeable tradelines for a while at this point, including two $0 AF cards which are pure farming implements, so thankfully there's nothing else I really need at this point.  Especially hearing that USAA is going to start offering EMV Chip/Pin cards, that'd tickle me pink!

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 20 of 345