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Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: Garden Club Meeting - January 2013

Day 5 in the garden and still on the wagon!!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - January 2013


rtw wrote:

Day 5 in the garden and still on the wagon!!


Yay!!! Keep it up! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Garden Club Meeting - January 2013


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. :womanvery-happy:


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.


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






Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - January 2013


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

 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
dodgerslv
Posts: 1,833
Registered: ‎06-16-2012
0

Re: Garden Club Meeting - January 2013

woohoo!...just reached silver status!!!...3 months application free and no itch whatsoever!:smileyhappy:


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 9.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Established Contributor
Exonumist
Posts: 596
Registered: ‎07-03-2012
0

Re: Garden Club Meeting - January 2013

[ Edited ]

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.


Established Member
olderwiser3
Posts: 55
Registered: ‎01-07-2013
0

Re: Garden Club Meeting - January 2013

Well I steped out the day before yesterday to join DCU and get their CC.  But now I'm back in for the long term until I go for a mortgage in 2014 or Barclay's closes me.  So I guess I'm on day 2.

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: Garden Club Meeting - January 2013

Picked up my Silver spade today, I hit three months last Sunday.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Regular Contributor
jm00ser
Posts: 156
Registered: ‎07-11-2012
0

Re: Garden Club Meeting - January 2013

Woohoo! Happy Gold Spade day to me! Now back to paying everything off!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - January 2013

[ Edited ]

dodgerslv wrote:

woohoo!...just reached silver status!!!...3 months application free and no itch whatsoever!:smileyhappy:


CONGRATS!!! -- to both you, chasmith and jm00ser!!! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

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