Reply
Contributor
Justrebuilding
Posts: 107
Registered: ‎12-28-2012

Re: Garden Club Meeting - January 2013

I'm new the forums and spending some time in the garden.  I won't be opening any new cards until after I find and close on my house. I'm thinking about the following around summer (I have 5 inq falling off in feb 2013 :smileyhappy: DCU Rewards, Discover Rewards. 

 

Not sure which others rewards cards are really BK friendly (bk 08)



Cap 1 QS 4K, Cap 1 QS 4K, Cap 1 QS 4K, GE Care Cr 7K NFCU Cash Rewards 10K Walmart 1.3K NavCheck 5K Freedom 2.5K CSP 6K Sallie Mae 3K
Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012

Re: Garden Club Meeting - January 2013

Still hanging around. No apps.

What's in my wallet: Cap1 Venture $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Moderator
Revelate
Posts: 8,345
Registered: ‎12-30-2011

Re: Garden Club Meeting - January 2013


creditnocash wrote:

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. 


The rule is specifically any HP that leads to a tradeline, or has the possibility of leading to a new tradeline, or is a change in the tradeline (CLI's being the example there).

 

As a refinance of either a mortgage or auto loan leads to a new tradeline, that is considered stepping out of the garden... though both absolutely worth doing so for unlike some number of credit card applications.  Gardening is a tool after all, not an end goal in itself.

 

There are a few other reasons for inquiries though, rental check, new utilities, or renting a car with a debit card (unlikely on this particular forum I admit) that have no chance of leading to a tradeline and are considered unavoidable.  As such they don't reset your gardening timeline.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Regular Contributor
staifokuzed
Posts: 180
Registered: ‎12-19-2012

Re: Garden Club Meeting - January 2013

Day one of gardening

PayPal MC 1000
Barclay rewards 1000
Matrix sec 300 (plucking this weed prior to fees)
Applied 500.

Plan not to app until 11/13ish state inspection runs out that's when i plan to exit.

Approved for both PayPal and Barclay this month. Both on recon. Thank you guys/lady's.
With out u i could not of got this far.

Also quit smoking and put that money towards applied secured until 5k Max.

Thanks for the help and encouragement. HAPPY NEWYEAR
AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

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?


 

I applied to refinance my mortgage in July points to siggy... lost my spade but saved 15k over the life of the loan. Reduced my payment by 500 per month on a rental property. No one will think badly of you for stepping out of the garden for a timely refi :smileyhappy:

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Frequent Contributor
obageegee
Posts: 268
Registered: ‎09-30-2012

Re: Garden Club Meeting - January 2013

Silver Spade this month! Don't have the itch as much the last two weeks. I have gardened Home Depot, Lowes, Cabelas, Tractor Supply, Walmart, Amazon and Associated Bank. PIFed all of them. Now for round three. Good luck everyone!




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Garden Club Meeting - January 2013

[ Edited ]

@revelate... prior to getting additional cards in february 2012 I rented a car and I got a HP for it in July 2011. Such a sad reason to get a HP... if I had known about this forum I could have probably had an amex back then!


@obageegee. ... Congrats on silver spade!!!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Garden Club Meeting - January 2013

Ouch web.

I would be pissed if i got a HP to rent a car. Same thing with cable companies and stuff. Id rather leave a deposit than get a hp.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Garden Club Meeting - January 2013

As with many others, January was to be the month I was going to apply for a couple new cards. I scratched that itch successfully in November and have been happily back in the garden since.
Enjoying some Champagne hoping to remain here for a long time. :smileyhappy:


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Regular Contributor
SisterGirl
Posts: 192
Registered: ‎11-17-2012

Re: Garden Club Meeting - January 2013

I've grown so much in knowledge from this great community & I will not seek any further credit lines, only nurture & care for what's already achieved. I've acquired new lines, improved old lines, & will seek new ventures late 2013 (Oct-Nov-Dec).

 

Happy New Year 2013 !

 

SisterGirl 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+