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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Garden Club Meeting - February 2013

My Chevron/Texaco seedling is growing....!

Just a lil $500 spurt but progress is progress!! GE luvs me even with balances!

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
Established Contributor
Posts: 619
Registered: ‎09-26-2011

Re: Garden Club Meeting - February 2013

Shiny new bronze spade (albeit a few days late!)  I'll take it.


I did try the luv button on my Walmart Discover after the 3rd statement, but no luv. Letter said not enough time at current CL (of $400, oy).  I'll be patient and see what happens next month, then I may have to call.


Getting ready to exec office my Cap 1 card to see what happens with that one.  I'm still VERY itchy for the Subaru MC, but I'm trying to behave and not scratch that one until the Summer sometime. I'm trying to get all of my balances nicely tucked in with the lowest possible interest (0% mostly) before the end of this month, then work on paying down, down, down as right now, UTIL is still the weeds in my garden.

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

Established Contributor
Posts: 797
Registered: ‎05-01-2012

Re: Garden Club Meeting - February 2013

44 days app free! Can't wait to get to triple digits.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Posts: 98
Registered: ‎12-20-2012

Re: Garden Club Meeting - February 2013

Stepped out of the Garden on Friday ... but I'm back now (researching LOEs as I am sure I'll need 2 write one for this as the accounts will only be 2-3 months old when we go for our pre-approval) im not acquiring new debt just paying off current bals with 0% interest
Established Contributor
Posts: 733
Registered: ‎09-12-2011

Re: Garden Club Meeting - February 2013

I'm counting down the days to a silver spade - will be eligible for that a week from today as my last app/HP was November 25th.  I'm on the verge of breaking the 800 FICO score barrier on my TU08 (per Wally).  I do not want to incur a HP until I reach that milestone.  Just want to be able to say I made it to the promise land.  LOL


I've been a bit on edge lately, so I did a couple of things to keep myself on track.  About a week ago I was able to have Cap One pc my old Plat Visa to their Cash Rewards card and get rid of the annual fee.  And yesterday I called GE/Walmart and got a great CLI on my 3-month old Walmart Discover card.  No HPs were involved in these 2 ventures.  Smiley Happy


On Friday, I was disheartened to see official acknowledgement from US Bank that they have indeed seriously trashed my favorite credit card - the Cash+ Visa.  There goes my cash cow.  So now I am thinking of a future goal card to app for maybe in May or June......thinking of perhaps Barclay's Priceline Visa for the 2% cash back.  Everyone has to have something to look forward to, right?  Smiley Happy 

FICOs: TU08 850 EQ08 811 EX08 818 11/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $32.5K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Posts: 88
Registered: ‎08-20-2012

Re: Garden Club Meeting - February 2013

Last app: Today - 02/19/2013


Now let it be known that henceforth, I am not to apply for any additional cards or incur any additional hard pulls -- and you all can hold me to it!  Smiley LOL


Yesterday and today I applied for Chase Amazon - approved for $1,500, my (then) second highest limit, and then today, for Citi Forward Student - approved for $2,000 - my new highest limit card.  I now somehow have 7 cards -- I hope that's not too much.  I intend to look into buying a home 3-5 years down the road, so hopefully these accounts along with my student loans will be a healthy mix and will age well.  But no more inqs until then!

Goal Scores: 720+ (Experian Lender Pull 09/13): 733; Discover TU (01/14): 751; Walmart TU08 (02/14): 754;
WF Platinum (10/12) $1,600; WM Discover (12/12) $5,500; Amazon GE (12/12) $2,500; CapOne Quicksilver (12/12) $750; Discover IT (01/13) $1,000; Chase Amazon (02/13) $2,500; Citi Forward Student (02/13) $2,000; AMEX BCE (09/13) $15,000
New Member
Posts: 3
Registered: ‎02-04-2013

Re: Garden Club Meeting - February 2013

I have gone a little bit app crazy after finding these forums and reading lots of thread.

Before the forums I had a Cap1, two chase cards, and a best buy store card.

In the last month I've appd and been approved for a cap1 cash rewards, amex fidelity, amex green, discover it, and a penfed platinum rewards.

The only thing I might do is cancel the amex green this time next year when the AF comes up and change to the amex BCP.

Outside of that I'm in the garden for the next couple of years I think, I don't really see myself needing anymore cards anytime soon.

Cards: Cap1 Cash Rewards 3K, Best Buy 1.5k, Chase Freedom 8k, Chase Freedom 2.4k, Discover it 5.5k, PenFed Platinum Rewards 3K, Amex Green NPSL
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008

Re: Garden Club Meeting - February 2013

Still gardening... can't app for anything until after we close on our home.  I want  my AMEX TR so bad!!

AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
Homeowner since 05/29/13
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008

Re: Garden Club Meeting - February 2013

Still chillin'. Smiley Happy

Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

Take the FICO Fitness Challenge
Regular Contributor
Posts: 203
Registered: ‎07-27-2012

Re: Garden Club Meeting - February 2013

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

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.

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