Garden Club Meeting - January 2013

[rtw]

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

[tinuviel]

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@rtw wrote:

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

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Yay!!! Keep it up!

[LesWH]

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@creditnocash wrote:

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@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.

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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. 

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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.

[creditnocash]

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@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.

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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

[dodgerslv]

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

[Exonumist]

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.

[olderwiser3]

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.

[chasmith]

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

[jm00ser]

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

[tinuviel]

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@dodgerslv wrote:

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

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CONGRATS!!! -- to both you, chasmith and jm00ser!!!