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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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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!
Frequent Contributor
_jb_
Posts: 321
Registered: ‎01-16-2013
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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 EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 699, myFICO EQ: 700, myFICO TU: 699
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Garden Club Meeting - February 2013

I have a nice new, pretty, shiny bronze dress on today!!! :womanlol:  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






Valued Contributor
SnackTrader
Posts: 1,567
Registered: ‎09-15-2012
0

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) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
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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! :smileyhappy:


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
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
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Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

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
Established Contributor
dodgeball
Posts: 761
Registered: ‎10-16-2007
0

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
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

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 ...


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Established Contributor
dodgeball
Posts: 761
Registered: ‎10-16-2007
0

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

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