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Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Garden Club Meeting - January 2013

Coming out in January for Amex BCE/P

 

Will garden after for CSP. Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Posts: 734
Registered: ‎04-20-2012
0

Re: Garden Club Meeting - January 2013

I'm gonna enter the garden now since i accomplished so much in 2012 and i'm getting my Amex Green in the mail real soon, so i will have no need to leave the garden to app. One thing that will happen in 2013 is that my BofA 123 Secured should graduate july/August and if i want an increase if they dont give me a good one then that will be a HP.  Throughout 2013 i will be calling up GE Credit Solutuons to get my limits increased and i wanna see if Discover can give me a small increase with a soft pull. then later at the end of 2013 i may app for a Amex BCE and if i get approved then they can backdate the account to 2012 and then i can cancel the Green Charge card unless they are willing to waive the annual fee for a second year. 

 

I am really happy with my credit profile i made major accomplishments in a very short amount of time.  Not counting the Amex Green I have $5,650 in available credit to me and that is awesome considering i started 2012 with no credit at all!

 

Here's to an even better year in 2013! Smiley Very Happy

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $13K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $8K | CapOne Spark BIZ Cash Select Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k |
Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - January 2013

Well 2012 was good but 2013 will be better!
The only cards I want left are Amex so they backdate.
My score dropped to an all time low of 635! Due to 20% over multiple cards.
So that curbs any app itch.

Will still app for bce for giggles though and my score!
No new inquiries in 5 months but coming up on my bronze spade on Saturday the 5th.

Good luck too everyone this year and may only good things happen.

Plan on using All my cards at least once every three months to keep them active.

And paying off everything!! Only at 4k which should be down to 3k by Friday!
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Garden Club Meeting - January 2013

Well 2012 was a blast for me so 2013 must be strictly dedicated to nurturing my garden for full bloom 2014.  My entire garden was acquired in 2012 and my goal for 2013 is at least a $40K overall CL and scores 750 minimum across the board.  2013 is also the year all of the last of my baddies will drop off so we shall see if this puts me in a rebucketing situation but I am crossing my fingers that it doesn't.  Nonetheless today is the end of adding new plants and the beginning of beautiful blooms and blossoms!

 

  • DCU Visa Platinum $7,500
  • NFCU Visa Signature $5,000
  • Barclays Apple Visa $2,000
  • Discover IT $1,000
  • Genisys Visa $900
  • CreditOne $500
  • JCP $1,500
  • Macy's Store $1,300
  • Amazon Store $1,200
  • Walmart Store $1,000
  • Victoria’s Secret $750
  • Woman Within $750
  • Catherines $300
  • The Avenue $150

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Garden Club Meeting - January 2013

I'm coming out of the garden 1 minute after midnight for BCE and CSP.  After that, i will plant myself firmly back in and let my seedlings grow!!


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






Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Garden Club Meeting - January 2013

Last app was December 5. Plan to stay in gardening mode into the new year. 

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

Re: Garden Club Meeting - January 2013

[ Edited ]

What about those who are planning to refinance a mortgage?  Is that in or out of the garden?

Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - January 2013


Wolf3 wrote:

What about those who are planning to refinance a mortgage?  Is that in or out of the garden?


if you take an inquiry to refinance your out but its a big reason to step out. and hopefully for the better. 

 

ANY hard pull will result in this. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Contributor
Posts: 81
Registered: ‎07-02-2012
0

Re: Garden Club Meeting - January 2013

Unfortunately coming out January to move on up in this world from a NFCU Secure nRewards to possibly a NFCU Flagship Signature CC Smiley Happy

 

2012 Was a good year, I could honestly say that. Got a couple derogs removed. Got some funny things too, like Express cleaning my slate and giving me a new account on the same phone call. That was weird.

 

Gardening

 

Barclays Financing Visa $1,200

USAA Secured AMEX $1,000 (closing after the 2yrs and trying for an unsecured)

NFCU nRewards MC $1,000 (upgrading to unsecured)

Macys Store Card $1,200 (oldest removing account)

Express Store Card $250 (newest account)

Paypal SC $800

 

Future Cards

 

NFCU Flagship Signature CC

Walmart Discovery CC

AMEX GOLD (some day lol)

Barclays Steelers NFL CC

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k
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Valued Contributor
Posts: 1,173
Registered: ‎05-17-2010
0

Re: Garden Club Meeting - January 2013

Stepped out late this year to get a new car and a couple of cards.  Here is what my garden consists of:  

 

  • UIECU IlliniCard Rewards Visa $26,620
  • PSECU PSL/Visa combo $20,000
  • Alliant Platinum Rewards Visa $17,000
  • Barclaycard Rewards Platinum MasterCard $12,500
  • Nordstrom Visa Signature $12,000
  • Chase United MileagePlus Club Visa Signature $8,000
  • State Farm Bank Platinum Rewards Visa $6,000
  • The BMW Card Visa $5,250
  • Macy's Red Card $4,400
  • Dell Premier $3,000
  • 72 month auto loan at 3.29%

Hope to garden the entire year and buy my dream home!  Happy New Year to everybody!  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
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