cancel
Showing results for 
Search instead for 
Did you mean: 

Garden Club Meeting - February 2013

Moderator Emeritus

Re: Garden Club Meeting - February 2013

Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 111 of 345
Frequent Contributor

Re: Garden Club Meeting - February 2013


Shogun wrote:

Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!


Reset my clock today as well on the Discover It. So happy I did. Trying to decide now if I should just go for the last 2 cards that I want (AmEx BCE and CSP), or plant myself right here until summer when I should be a sure thing for both... is it worth it to take the hits now and get in six months earlier with the two? I can't decide.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 112 of 345
Established Contributor

Re: Garden Club Meeting - February 2013

I have a nice new, pretty, shiny bronze dress on today!!! Woman LOL  One month and counting!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 113 of 345
Valued Contributor

Re: Garden Club Meeting - February 2013


tcbofade wrote:

Which, of course, brings up the question about score...

 

My last app, and therefore, my last new account will be six months old tomorrow.

 

I'm hoping for a score bump.

 

Do I have to wait for the first of the month, or will it even happen?


You might have to wait until the account hit 6 months of reporting. When your statement cuts, you may see a score bump. I'm not sure how much impact the inquiry aging will have. 


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 114 of 345
Moderator Emeritus

Re: Garden Club Meeting - February 2013


Shogun wrote:

Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!


Congrats! What a nice little seedling to plant! Smiley Happy


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
Message 115 of 345
Valued Contributor

Re: Garden Club Meeting - February 2013

Congrats Shogun on the Discover IT approval and nice CL!

Quick question, I plan on PC my Citi AA Amex card to the Citi HHonors Reserve. Would this make me leave the garden? (No HP but a possible new account, since the card numbers have to be changed from Amex to Visa) Hope not!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 116 of 345
Valued Contributor

Re: Garden Club Meeting - February 2013


Epcot wrote:
Congrats Shogun on the Discover IT approval and nice CL!

Quick question, I plan on PC my Citi AA Amex card to the Citi HHonors Reserve. Would this make me leave the garden? (No HP but a possible new account, since the card numbers have to be changed from Amex to Visa) Hope not!

A PC doesn't add a new account to your credit report.  It is the same history just changed over to a different reward structure.  Your gardening does not reset for that.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 117 of 345
Established Contributor

Re: Garden Club Meeting - February 2013

Day three in the Garden, sweating and not feeling good app withdraw

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

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 118 of 345
Established Contributor

Re: Garden Club Meeting - February 2013


dodgeball wrote:

Day three in the Garden, sweating and not feeling good app withdraw


You can do it, but I feel with you. Day 15 here ...



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 119 of 345
Established Contributor

Re: Garden Club Meeting - February 2013


shakalaka wrote:

dodgeball wrote:

Day three in the Garden, sweating and not feeling good app withdraw


You can do it, but I feel with you. Day 15 here ...


What part of Germany you from, I live in Stuttgart

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

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 120 of 345