rtw wrote:Day 5 in the garden and still on the wagon!!
Yay!!! Keep it up! 
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
creditnocash wrote:
LesWH wrote:Stepped out of the garden for the last time til 2014! I refinanced my Range Rover with PenFed at 1.49% today using the same HP from my application/cc/thrifty loc. Since I'm going out of town on Friday, they are overnighting the paperwork and the check to me today. I always thought they just paid off the current lender, but they said they are just sending me the check to pay them off.
congrats! what was your rate before?
amount of loan? when i got my car i opted on leasing(270a month vs 600+ not including insurance) and putting down 15k on a new car in 3 years.
i might just buy out this one but im still debating.
I had a 4.9 with Chase. I only owe 25,618 on my vehicle, which is valued at 41,000+. I have never leased. I like putting as many miles as I want on my car and not having to pay.
LesWH wrote:
I had a 4.9 with Chase. I only owe 25,618 on my vehicle, which is valued at 41,000+. I have never leased. I like putting as many miles as I want on my car and not having to pay.
This is true although you can trade in before you go over the miles. Or buy out with no penalty.
So I was just thinking maybe I should let all of my inquires age off and only app for stuff on January 2nd. So my inqs will always be at the same time. hmmm
Been in the garden for 8 days now. There are plenty more cards that I want, but any more apps will just result in either denials or low limits. I somehow need to break this habit of getting a new card every three months. So hopefully I will be here for the next year and 2014 will bring me some awesome new cards. I'm thinking Penfed Platinum, US Bank Cash+, CSP, etc.
dodgerslv wrote:woohoo!...just reached silver status!!!...3 months application free and no itch whatsoever!
CONGRATS!!! -- to both you, chasmith and jm00ser!!! 
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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