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Hello to all my fellow fico forum posters! hope everyone had a great new year! just checking in...10 more days and i earn my silver spade (3 months application free!)
I'm left the garden today and app'ed for 5 cards:
wal-mart 1800
macy's 500
lowe's 2000
target 500
sear's 2000
took all of 30 minutes...
I'm back in the garden and my aim is a year. could be more since the only card i want now is a citi bank.
My last app was for an auto loan. It proved successful so no more apps for me this year. My goal is to garden my cards and grow the CLs with soft pulls. Last app was 12/17/12.
@Radio_Radiation wrote:I'm left the garden today and app'ed for 5 cards:
wal-mart 1800
macy's 500
lowe's 2000
target 500
sear's 2000
took all of 30 minutes...
I'm back in the garden and my aim is a year. could be more since the only card i want now is a citi bank.
congrats on the approvals! we all know GE cards are generous with CLI. I love my Macys card...it can grow with you (especially if you like to shop there which i do). In one year went from 300 limit to 2500!
@maiden_girl wrote:My last app was for an auto loan. It proved successful so no more apps for me this year. My goal is to garden my cards and grow the CLs with soft pulls. Last app was 12/17/12.
congrats on the auto loan and very nice APR!
Thanks!!
and I love Macy's!! The card will get much use
@dodgerslv wrote:
@Radio_Radiation wrote:I'm left the garden today and app'ed for 5 cards:
wal-mart 1800
macy's 500
lowe's 2000
target 500
sear's 2000
took all of 30 minutes...
I'm back in the garden and my aim is a year. could be more since the only card i want now is a citi bank.
congrats on the approvals! we all know GE cards are generous with CLI. I love my Macys card...it can grow with you (especially if you like to shop there which i do). In one year went from 300 limit to 2500!
I feel pretty good with what I have:
AMEX Zync - NPSL
PSECU Visa - 12,000 CL
Barclays Rewards MC - $7,200 CL
Amazon - $4,000 CL
JCPenney - $4,000 CL
Best Buy - $4,000 CL
Lowes - $3,500 CL
Kay Jewelers - $2,700 CL
Sams Club Discover - $2,500 CL
Chase Freedom - $2,300 CL
Walmart - $2,300 CL
Firestone - $2200 CL
CareCredit - $2,100 CL
Cap1 NHC - $2,000 CL
Chevron/Texaco Visa - $1,500 CL
Old Navy - $1,500 CL
Discover IT - $1,000 CL
Definitely in Garden mode for at least 2013.
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC/" border="0" width="75" height="100" align="right">
New to the garden, hey all! No apps till 2014 or later!
Goals for the new year are to continue the progress I’ve made in 2012: pay off remaining revolving debt, asking for SP CLI when appropriate, cull the herd by closing several CCs, let inquiries/new accounts age, and no apps for anything except a possible mortgage late this year.