Credit Cards

[ceemee2203]

No apps even though I found a new 50k AMEX PRG offer. Holding out.

[emptypockets]

5 mos app free for me. I finally closed my AMEX PRG after much deliberation, decided I was not making enough use of it to justify $175 AF. No apps in the forseeable future, and will make my 6 mos app free at minimum before any new apps. Happy gardening everyone!

[thankfulheart]

Hanging head in shame...have to drop back to seedling level.  Don't know why I did it, exactly, but I decided on a whim to app for the Slate for the 0%BT. I have some $$$ still tied up in my last rental house before I became a homeowner (it's involving legal proceedings now), so I have a bit left on my Amazon card I wanted to BT.  Denied.  I called to recon and was told they could change my Amazon Chase to the Slate, but I said no thank you as I really like the rewards structure (we shop on Amazon a LOT).  The reason was DTI.  Weird thing, though, she said they pulled EQ for the first one, but it was not a complete report, only had 22 months of credit showing, so asked my permission to pull a different CRA. I said yes, and she said she pulled EX that time, but...USAA shows EX was pulled both times and nothing on EQ?  Weird.  Whatev, it's a no-go for me.

I did contact the Cap 1 EO and spoke with them today.  They are sending my file onto an UW to see what they can do for me, if anything.  Seriously, this is IT for me until I get the 0% CCs paid waaaayyyyy down.  Lessons learned the hard way.

[BrokaToe]

Well everyone, I cut my goal short for leaving the garden by 3 months. I have started another thread to talk about my credit success that I had this evening. I don't want to bring that up in the garden, but anyway,  I traded in my gold spade for a seedling.

I'm bringing jalapeno poppers and some texas sweet tea to the party, back to the garden I go!

[toful]

Been gardening for 3 months and still going :]

Still deciding what to apply for when I do. Thinking PenFed for the 5% gas. Still plenty of time to decide! Trying to go at least 6 months, we'll see how that goes

[mistabgeez]

Been in the garden two months, coming up on three soon. Small $200 auto CLI from Walmart, asked Discover for CLI with a SP, no go. USAA has a pre-approval for their AMEX...not biting. In the garden at least until my mortgage refi in in a few months.

[pazuzu]

15 months in app detox.

30.10.2011 - 21.02.2013

[luckelle]

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pazuzu wrote:

15 months in app detox.

30.10.2011 - 21.02.2013

 Great job!! I know it was tough. Im about 8 months on my end.

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G

[thankfulheart]

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pazuzu wrote:

15 months in app detox.

30.10.2011 - 21.02.2013

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Holy mackeral! Congratulations!

Side note...checked Cap1 today and CL went from $750 to $3K on a soft, plus there was a $19 credit (I guess for last year's AF?)  Woot!

[awdsmama]

Joining the garden club!

App'd this month for:

Lowes (denied even after recon)

Discover IT -- approved $4,000

CU Visa - approved $500

JC Penny - approved $500

These are my only cards and I'm good for awhile so I thought I'd come look at all the pretty flowers in the garden, sit back and enjoy a cold one!