Garden Club Meeting - January 2013

[Anonymous]

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

[jsucool76]

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@Anonymous wrote:

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

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@Anonymous wrote:

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

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My first gardening session lasted all of 4 days I think. It is really hard to do. 

[maiden_girl]

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@dodgerslv wrote:

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@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.

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congrats on the auto loan and very nice APR!

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Thank you

I'm trying to stay in the garden this year!!

I realized that the only reason I app'd for so many cards was because when I only had 2 credit cards during a time I was trying to obtain an auto loan ASAP...no one would give me a chance b/c I didn't have enough revolving credit...credit game makes no sense sometimes.

[jm00ser]

Still gardening strong! Gold spade in a few days! And hopefully an auto CLI from Discover for my 6 months!

[Sweets8E]

Rejoining the garden after stepping out to apply for the PRG Amex in November and then being hit again for an app for a Corporate Amex. On the bright side, 3 days ago, I was able to get CLI's on all 3 of my Navy Federal cards with all soft pulls, and an increase on my Wally card too without a HP.

I'll be gardening the following:

NFCU NRewards Visa - $7k

NFCU NRewards Mastercard - $3k

NFCU Cash Rewards Visa - $4k

Chase Southwest Visa - $5k

Barclays Apple - $1.6k

Discover More - $1k

PayPal Smart Credit - $1.5k

American Signature Furniture - $1.5k

Wally - $800

Sock Drawering These Until I Can Close Them At 1 year:

Shop NBC

AE

Abercrombie & Fitch

Dillard's

Zales

[Sweets8E]

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@jsucool76 wrote:

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@Anonymous wrote:

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

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@Anonymous wrote:

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

---

My first gardening session lasted all of 4 days I think. It is really hard to do. 

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It's all the success stories on this forum. I swear, living vicariously through everyone else's posts has not worked for me. LOL I get the app itch as soon as I see someone with similar scores getting approved. It's my weakness. This time I'm trying to be good.

[QAMngrGirl]

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@Sweets8E wrote:

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@jsucool76 wrote:

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@Anonymous wrote:

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

---

---

@Anonymous wrote:

Hi folks!

I'd love to start gardening, but can you lock me in?  I tend to escape.  Maybe we need inpatient lock-down for cardaholics.  

---

My first gardening session lasted all of 4 days I think. It is really hard to do. 

---

It's all the success stories on this forum. I swear, living vicariously through everyone else's posts has not worked for me. LOL I get the app itch as soon as I see someone with similar scores getting approved. It's my weakness. This time I'm trying to be good.

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Same here! Still here from last month, staying put until at least April - trying for June when my accounts should all be ready for CLI's =)

[Anonymous]

Happy New Year!

I'll be gardening this year as well.

My 4 CCs: $24,800 total, Util: 11.77%. I intend to bring it below 7% and keep it low.

Student loan: $4,500 left to pay. Personal Loan: $5,300 w/ 30 months left on term.

1 HP inq in 7/12 for loan from NFCU showing on EQ only.

My FICO: EQ 773 | TU 782 - 12/12
Garden Club: App-free since 7/12

Plan for 2013: Continue to pay down loans and CC. No new apps anytime soon.

Cheers

[staifokuzed]

Two days in i find myself wanting more. I have two apps that i have no clue on status. VS card (soft PULL) can't find any way to contact. Sears (citi says no record of application) guess i have to wait for the letters. It is hard to fight the urge to seek new credit.
I know its best to not apply. I just want to apply For 30 or 40 cards then i can be done.

[tcbofade]

Howdy, howdy boys and girls.

I am app free since 08/08/2012.

With the new year, I had contemplated leaving the garden and apping for a few bigger, better cards, but methinks that I'll still get the dreaded denials.

Util is still too high.  (overall util = 56.42%)

I think that 2013 would be best spent reducing our revolving debt, and NOT applying for any new trade lines.

App free for 2013.  Two days down, 363 to go.