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Established Contributor
rtw
Posts: 748
Registered: ‎05-01-2012

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: 725 (PSECU 5/11/13) TU: 711 (5/15/13) EQ: 688 (5/15/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Contributor
SpeedingWheels
Posts: 245
Registered: ‎08-06-2012

Re: Garden Club Meeting - January 2013

3 months from my last app! Just updated to my silver spade :smileyvery-happy:


Walmart ($2000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($2500) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($937?)
Moderator
tinuviel
Posts: 3,897
Registered: ‎11-02-2010

Re: Garden Club Meeting - January 2013


SpeedingWheels wrote:

3 months from my last app! Just updated to my silver spade :smileyvery-happy:


Woo, hoo... lookin' good!!! :smileyhappy:



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
Regular Contributor
ceemee2203
Posts: 178
Registered: ‎07-27-2012

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 :smileysad: letter on 7/27 (and that's where I got my original score :smileyhappy: ). 


Starting Score: 702 (07/27/12 EX AMEX Pull)
Current Score: 734 (04/03/13 myFICO) / 740 (CS) / 749 (CK)
Goal Score: 800
Current Cards: AMEX PRG, AMEX BCE, BofA Travel Rewards with EMV
Moderator
tinuviel
Posts: 3,897
Registered: ‎11-02-2010

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 :smileysad: letter on 7/27 (and that's where I got my original score :smileyhappy: ). 


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



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
Regular Contributor
ceemee2203
Posts: 178
Registered: ‎07-27-2012

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 :smileysad: letter on 7/27 (and that's where I got my original score :smileyhappy: ). 


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


Thanks. It does feel good. I'm still itching to app though. :smileytongue:


Starting Score: 702 (07/27/12 EX AMEX Pull)
Current Score: 734 (04/03/13 myFICO) / 740 (CS) / 749 (CK)
Goal Score: 800
Current Cards: AMEX PRG, AMEX BCE, BofA Travel Rewards with EMV
Established Contributor
thankfulheart
Posts: 613
Registered: ‎09-26-2011

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)

Valued Contributor
tcbofade
Posts: 1,060
Registered: ‎09-26-2011

Re: Garden Club Meeting - January 2013

Almost six months for me...still no apps.  :smileyhappy:

 

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



Last app 08/08/2012. App free in 2013!

Current Scores: EX 665 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:



Zero percent financing is where the devil lives...

Last app 08 Aug 12. Next app 01 January 2013.

Regular Contributor
DesertLife
Posts: 117
Registered: ‎07-09-2012

Re: Garden Club Meeting - January 2013

In honor of my 100th post :smileyvery-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: EX: 717 (BoA app 1/13) EQ Beacon 5.0: 723 TU98: 732 (12/12)
Current Score: EX: 717 (BoA app 1/13) EQ FICO: 726 (4/13) TU98: 732 (12/12)
Goal Score: All 750+
Cards: USAA Amex 11; Chase Sapphire Pref. 6.4; Amex BCP 20.6; PenFed Plat.Rewards 7.5; Chase Ink Bold 9; Citi AAdvantage Plat.VisaSig. 4; AlaskaAir Visa.Sig. 5.
New Member
RikaC87
Posts: 4
Registered: ‎01-29-2013

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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