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Garden Club Meeting - January 2013

Established Contributor

Re: Garden Club Meeting - January 2013

24 days in the garden!! It's a marathon not a sprint.


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
Contributor

Re: Garden Club Meeting - January 2013

3 months from my last app! Just updated to my silver spade Smiley Very Happy


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Moderator Emeritus

Re: Garden Club Meeting - January 2013


SpeedingWheels wrote:

3 months from my last app! Just updated to my silver spade Smiley Very Happy


Woo, hoo... lookin' good!!! Smiley 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
Regular Contributor

Re: Garden Club Meeting - January 2013

Just realized I forgot to pick up my Gold spade. My last app was 7/21 but I received my application denial Smiley Sad letter on 7/27 (and that's where I got my original score Smiley Happy ). 

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Moderator Emeritus

Re: Garden Club Meeting - January 2013


ceemee2203 wrote:

Just realized I forgot to pick up my Gold spade. My last app was 7/21 but I received my application denial Smiley Sad letter on 7/27 (and that's where I got my original score Smiley Happy ). 


Looks great! I'll be getting mine next month, and I'm looking forward to it. Smiley 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
Regular Contributor

Re: Garden Club Meeting - January 2013


tinuviel wrote:

ceemee2203 wrote:

Just realized I forgot to pick up my Gold spade. My last app was 7/21 but I received my application denial Smiley Sad letter on 7/27 (and that's where I got my original score Smiley Happy ). 


Looks great! I'll be getting mine next month, and I'm looking forward to it. Smiley Happy


Thanks. It does feel good. I'm still itching to app though. Smiley Tongue

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Established Contributor

Re: Garden Club Meeting - January 2013

I'm still hiding out in my garden. I was happy to see the NavCheck $10K "bloom" alongside my CashRewards and checking accounts. I've also SDed a couple of cards but am seriously thinking about EOing Cap1 for kicks.  I'm still at $750/AF, so if that goes nowhere, will likely close it.  I just bought the materials to build a fence for my real-life garden, so watching my util creep up with this 0% financing stuff is painful but certainly helps curb that app itch.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Senior Contributor

Re: Garden Club Meeting - January 2013

Almost six months for me...still no apps.  Smiley Happy

 

I'm thrilled with Merrick Bank goscore being a USEABLE score that I can readily see.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Regular Contributor

Re: Garden Club Meeting - January 2013

In honor of my 100th post Smiley Very Happy, I am officially getting back into the garden. I didn't go on crazy "app spree's" but, applying for two cards at a time feels like one to me. I applied for several cards last July, another in November, and two more this month. Now I'm ready to tend these, increase my AAoA, and watch my credit score increase as well. It will be interesting to see what my credit score is after these most recent inquiries. Luckily I was approved for both cards I took HP's for, so none were "wasted". I remember the good feeling of having been in the garden for a while and watching as my score began increasing month to month. I'm ready for that again now.

Starting Score (2016): EX: 748; EQ 737; TU 761

2014 Current Score: Discover FICO08 797 (7/16); AMEX FICO 776 (8/16); PenFed FICO 766 (5/16).


Goal Score: All 800+ Available Credit: $100K+
Utilization:
23%

Gardening Since:
September 2016

New Member

Re: Garden Club Meeting - January 2013

I definitely want and need to join the garden club because once I start applying and get approved it's like I can't stop. I just applied earlier this morning, but I'm done now and I hope to remain done for at 6 months hopefully a year though. I know I will be calling on you all for help often!!

 

Victoria's Secret-$350

Maurices-$500

New York & Co-$250

Exxon-$600

Capital One-$200


Starting Score: 630
Current Score: 630
Goal Score: 700


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