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Established Contributor
dodgeball
Posts: 761
Registered: ‎10-16-2007

Re: Garden Club Meeting - February 2013


Revelate wrote:

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!

 

 


When did you hear that USAA was going to offer Chip/Pin ?

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

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Moderator
Revelate
Posts: 6,858
Registered: ‎12-30-2011

Re: Garden Club Meeting - February 2013


dodgeball wrote:

Revelate wrote:

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!

 

 


When did you hear that USAA was going to offer Chip/Pin ?


Just here just now, on the same thread you replied on I think.  I guess I overstated it or didn't understand the thread, giddy in my silly excitement, oh well :smileyhappy:.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


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Regular Contributor
jennylocha
Posts: 197
Registered: ‎11-24-2012

Re: Garden Club Meeting - February 2013

I'm definitely in the garden for the next year. I need to have that Discover in my life so I need those inquiries to fall off, my aaoa to go up, drop 2 baddies, and my uti is always in the 15% so I'm good in that area and I will CLI the hell out of my cards to scratch that itch and make my case stronger when I app next year!! So excited, feel so brand new and so fortunate! Good luck to all of you!

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Established Contributor
thankfulheart
Posts: 618
Registered: ‎09-26-2011

Re: Garden Club Meeting - February 2013

I'm adding some Florida orange juice to the mix for anyone who's not feeling so great...

 

I'm still in the garden.  Waiting for my Lowe's CLI and NFCU NavCheck to start reporting to see what kind of boost my scores will get with the extra $15K in CLs.  I've been working on paying some things down and shifting to maximize my 0% interest.  I'm sitting on a Cap1 that I may try to exec office, but I'm a bit chicken, so will wait until the dust settles in the next few weeks.

 

Other than that, firmly planted in the garden...I need a spade!!!

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Garden Club Meeting - February 2013

Still in the garden.


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Established Member
ycm
Posts: 39
Registered: ‎01-27-2013

Re: Garden Club Meeting - February 2013

[ Edited ]

I'm a few days out from my first spade.  While reflecting in the garden this month I've decided the following -

 

-my Citi TY Amex will (hopefully) be replaced by a backdated Amex HHilton. I want only 1 revolver on the amex network. When I step out of the garden to app in the coming months I guess we'll see how that goes. I want to try for a CLI on it before I app for the Hilton.

-will keep my Amex Zync tucked away until Amex or I close it -whoever does it first. Its not getting any use at this point. Due for renewal in October. Have the PRG that was backdated and it will be the only annual fee card in my wallet - Point blank period. I want only 1 charge card on the Amex network and Zync<PRG.

-my BoA Visa will hopefully be trumped by a PenFed CC. I made the mistake of applying for the PenFed card earlier this month before my backdated PRG hit my reports. Worked out for the better cause my utilization is still on a diet/lifestyle change.

-my VS card hasn't been used in the year or so that I've had it. Will probably try for a CLI when my util on other cards goes down.

 

thats all for now, happy gardening to all.

Amex Delta Gold | Amex BCE | BofA Travel Visa Sig | Discover IT | REI Visa
Established Contributor
jamie123
Posts: 663
Registered: ‎03-22-2012

Re: Garden Club Meeting - February 2013

I'm back for another month in the garden. I'll pick up the Gold spade next month!

 

I have a really big baddie falling off my reports in the next 2 months. I don't know why, but the 3 CRAs have it scheduled to fall off in different months from January to March. It fell off Experian a few weeks ago and my EX FAKO went up 38 points to 758!



Starting Score: EQ 658 6/18/12
Current Score: EQ 680 9/23/13
Goal Score: EQ 720+
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Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Garden Club Meeting - February 2013

Well 45 minutes until 1/12th of the year is over. 

with this month my aaoa jumps too 10.4545 months, with 10 positive cc tl and a now 6 month auto loan( not sure since it was opened in august but didnt actually report until october but says opened since august) 

 

Aiming For March 5th with my silver Spade! ive done it before i can do it again!

 

Currently Gardening 

Amex Zync-6 Months

Chase Freedom-7 months

Citizen's Mastercard-3 Months

 

Rest Of My Cards are sockdrawered.

My plan by the end of this month is too get down too 3% util. 

with taxes and my luck at the lottery shouldnt be too hard

 

Good Luck Everyone!

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012

Re: Garden Club Meeting - February 2013

I'm all in  :smileyhappy: Just waiting for this coming Sunday to get my bronze spade


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Frequent Contributor
_jb_
Posts: 292
Registered: ‎01-16-2013

Re: Garden Club Meeting - February 2013

Just checking in. Two weeks in the garden today for me.


Starting Scores: myFICO EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13

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