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Valued Contributor
Gunnar419
Posts: 1,158
Registered: ‎01-23-2013
0

Re: Garden Club Meeting - February 2013

I've been in the garden for like a week. I'm so good at resisting temptation. :smileyembarrassed:

 

Stepped out. Apped for Amex BCE -- mostly just to see on what grounds they'd reject me so that I could be sure to have any problems straightened out six months from now.

 

Approved! Yippee!

 

Now, back into the winter mud ...

Regular Contributor
tld409
Posts: 220
Registered: ‎03-21-2012
0

Re: Garden Club Meeting - February 2013


Gunnar419 wrote:

I've been in the garden for like a week. I'm so good at resisting temptation. :smileyembarrassed:

 

Stepped out. Apped for Amex BCE -- mostly just to see on what grounds they'd reject me so that I could be sure to have any problems straightened out six months from now.

 

Approved! Yippee!

 

Now, back into the winter mud ...


I know what you mean- it is so hard especially after reading all of the approval posts and good news. You just feel like you have to try. Congrats on BCE!

Starting Score 630 Current:EX:706(09/01/14); EQ08: 747(10/10/14);TU:748 (10/13/14):Goal Score: 750 across the board
Sallie Mae World MC 5k; Chase Freedom 3.5k; CareCredit 13.2k; Amex BCP 10.3K; Amex BCE 12K; Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 5K; Slate Visa 3k; Citi Simp Visa 6.9k; CFCU Visa 15k; Discover IT 4K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k;
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - February 2013

[ Edited ]

figured why wait till next week!  paid off all of my interest balances! (that were less then a month old- so technically no interest charged yet)

my bank account is lean now- about 2500 leaner 

 

Current Line Up-

Amex Zync 0

Chase Freedom 0/1000

C Mastercard -.45/5000

C Mastercard 0/2000

C Mastercard-0/500

 

 

Store cards-

Macy's-0/3500

Best Buy 1600/2500 (0% on 600 until may/0% on 1000 until november of 15')

Walmart-550/5000 (0% until feb of 2014)

American Eagle-0/700

Kohls-0/400

 

as long as i dont keep spending all my money, i feel like i can be at 0 by march/april for everything. (july is when inquries start aging off! woo)

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Garden Club Meeting - February 2013

Here I am, 8 months to the day since beginning my credit card journey. After being approved for the Capital One card, I gardened for 6 months and then applied for the wonderful cards in my signature (BCP, Forward, Freedom) to complete the first stage of my journey. I feel so much better about my financial health with these cards in my arsenal and thought I would mark the occasion with a post in the Garden thread. I owe so much of this success to the discipline I leavened from this thread. 

 

I also just hit 500 posts on the forum the other day, and I am so happy that I have been able to pass on some of my good fortune by hanging around and giving credit advice my best effort.  After all, this is where I learned all my knowledge. 

 

Keep Gardening everyone!


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
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - February 2013


SnackTrader wrote:

Here I am, 8 months to the day since beginning my credit card journey. After being approved for the Capital One card, I gardened for 6 months and then applied for the wonderful cards in my signature (BCP, Forward, Freedom) to complete the first stage of my journey. I feel so much better about my financial health with these cards in my arsenal and thought I would mark the occasion with a post in the Garden thread. I owe so much of this success to the discipline I leavened from this thread. 

 

I also just hit 500 posts on the forum the other day, and I am so happy that I have been able to pass on some of my good fortune by hanging around and giving credit advice my best effort.  After all, this is where I learned all my knowledge. 

 

Keep Gardening everyone!


congrats! im quite impressed with your limits. 

what is your income if you dont mind me asking? 

and was the 3k the original limit? 

 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Roarmeister
Posts: 331
Registered: ‎04-21-2012
0

Re: Garden Club Meeting - February 2013

[ Edited ]

GGRRRR....  A little ticked off at myself is me.  I went for some CLI's this week, the problem is the CCCs did hard pulls on my account!  Now I have 2 extra hard pulls that I wasn't counting on.  So I went to check my score and yep I confirmed it -- down 3 points!  I'm going the wrong direction these days.  That's on top of a 6 point drop for consolidating my credit to one card.  Just went you think you've done the right thing - pow! right in the kisser.  On the bright side, I did get the CLIs and I won't be going for credit anytime soon; credit scores don't have memory so by the time I will be seeking credit my scores should recover....  although my year end goal is in serious doubt now.

 

Back to the seedling again...  (while others may argue that I wasn't actively seeking credit and therefore I should still be in the garden, I shall disagree because there was a high likelihood of them doing a income verification for the amounts I was asking).

 

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
____$25k_______$20k_______$20k_______$25k_______$25k____
Starting Score: 676 Feb 2008; Current Score: 788 EQ, 814 TU, October 2014; Goal Score: 800 by end of year Oldest Account reported by EQ: 12 years; EQ AAoA: 5.6 years; EQ Credit Utilization: 3.5%
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Garden Club Meeting - February 2013

[ Edited ]

creditnocash wrote:

SnackTrader wrote:

Here I am, 8 months to the day since beginning my credit card journey. After being approved for the Capital One card, I gardened for 6 months and then applied for the wonderful cards in my signature (BCP, Forward, Freedom) to complete the first stage of my journey. I feel so much better about my financial health with these cards in my arsenal and thought I would mark the occasion with a post in the Garden thread. I owe so much of this success to the discipline I leavened from this thread. 

 

I also just hit 500 posts on the forum the other day, and I am so happy that I have been able to pass on some of my good fortune by hanging around and giving credit advice my best effort.  After all, this is where I learned all my knowledge. 

 

Keep Gardening everyone!


congrats! im quite impressed with your limits. 

what is your income if you dont mind me asking? 

and was the 3k the original limit? 

 


Thanks, credit!

 

Income is $65k+ depending on bonuses, etc. Monthly obligations that could be determined from my credit report and my application (rent, car loan, student loans) exceeded $1,300 at the time. 

 

3k was indeed the original limit. At the time it seemed very reasonable to me given my income and spending needs. But as I saw other posts on this forum I realized I may be an exception given my lack of revolving credit at the time. I've spent the $3,000 during the month multiple times though. 


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
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Garden Club Meeting - February 2013

Updated my spade, so happy! 3 months in the Garden now.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Frequent Contributor
fuzzybean
Posts: 305
Registered: ‎04-04-2012
0

Re: Garden Club Meeting - February 2013

Congrats!  I'm only two weeks in...no more apps for me until 2014!

Frequent Contributor
fuzzybean
Posts: 305
Registered: ‎04-04-2012
0

Re: Garden Club Meeting - February 2013

Ugh, I can't get my seedling to show completely! 


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