@Anonymous wrote:Got offered lots to drink but I turned it down. I'm not a drinker (well, margaritas don't count to me lol)
I'm gonna last until I check my scores in June and see about this $58 baddie thats pissing me off. $58...are u freaking kidding me?
I'm tryna to stop swearing also. Its a process
I have a charge off for $84 and when I found out even offered PFD but they didnt want to accept. I paid it off but I know what you mean $84 and you want me to suffer for 7 years??? 
But i guess a charge off is a charge off so I can't really blame them but one would think CC companies would have some compassion. But a lot of them really dont care. They want their money (rightly their to begin with) then tell you to go.... you know what
@Anonymous wrote:
Hello you guys!!!! 2012 is a very promising and exciting year for all, but what's most important for me is staying in the garden until July 1, 2012. I will pass my probation period with Barclays and will also lose many many many inquiries across all three CRA's. lol
I still plan on pulling some weeds from my garden; 1 CapOne card in May and the Other in Nov of this year as I know they will never remove the annual fees from these cards.
Currently in my garden:
Amex Zync
Bank Of Americard Visa
Barclays Apple Itunes Visa
CapOne Mastercard
CapOne Mastercard
Ga Own Cu Visa
Macys Store Card
Target Store Card
Wells Fargo Visa
I'm working towards paying my balances down to zero, getting my auto loan refinanced in July, increasing some credit limits on my accounts, upgrading some accounts, and finally adding some cards to the garden.
Well Happy Crediting to you guys, Happy New Years too and finally good luck in the garden.
I like your collection. BOA hates me
@digitaldiva wrote:
@LS2982 wrote:So who made it into 2012 without drunk apping/garden status intact???
I did!!!
Me too!! 
I'm still in the Garden, I did app for the AmEx BCP in October 2011 but that does not count since the card was backdated to 91
and it's sitting on a 12,400CL as of now.
I will remain in the Garden till my scores get a bit higher (around the 815 mark) then I may app for the one and only card I really want, Chase Sapphire Preferred!!!
Happy Gardening my Friends!!
@Anonymous wrote:I'm still in the Garden, I did app for the AmEx BCP in October 2011 but that does not count since the card was backdated to 91
I will remain in the Garden till my scores get a bit higher (around the 815 mark) then I may app for the one and only card I really want, Chase Sapphire Preferred!!!
Happy Gardening my Friends!!
I don't think there is anybody here or ever that needed 815 to get a Chase Sapphire. Wait until April and I think you'd be golden stang!
I like mustang's idea of waiting until a certain score before apping again.
May not have the patience to go for 800 but 760 (FICO EQ) is doable.
