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Garden Club Meeting - January 2014

Frequent Contributor

Re: Garden Club Meeting - January 2014


myjourney wrote:

LearningMoreAboutCredit wrote:

Checking in but I'm on the fence for PRG and IT card...

 


Lol 

Happy New Year

Marked as in attendance 


Happy New Year to you too, MJ!!


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 31 of 8,129
Established Member

Re: Garden Club Meeting - January 2014

I'm new, but I'm looking to join this garden club thing!  I am planning to not app for anything else until July 2014 at the earliest.  Glad to be a part of this!



Cards: AMEX BCE-$2K, BOA 1-2-3-$2K, Barclays Arrival-$4K, Discover IT-$4K. Gardening until at least July 2014!
Message 32 of 8,129
Super Contributor

Re: Garden Club Meeting - January 2014


coldnmn wrote:

Hi MJ our troubled few are stylishly missing! Lets hope the draping in the wee hours are few! notfancy!Smiley Mad


notfancy better be good going into 2014 Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 33 of 8,129
Regular Contributor

Re: Garden Club Meeting - January 2014

I just checked my score, I had to use my last myfico Power Report and it reported a score of 721, up from 676.

 

I have no idea why scorewatch didn't give a heads up, but since everyone is in a festive mood, I'm not going to be a party pooper.

 

Ready to start my app spree, I think.

 

Apping for Freedom, will this force Amex to do a sp?

$26500 Amex EDP / $20000 Merrill+ / $12000 Chase Sapphire Preferred / $12000 Chase British Airways / $7500 Barclays Arrival+ / $7500 FIA Amex / $7500 Paypal Extras MC / $7000 Chase Freedom / $3500 Discover It
Message 34 of 8,129
Regular Contributor

Re: Garden Club Meeting - January 2014

Should I use the normal app for Freedom, or the Pre-Qual?

 

I don't like the 22.9% offer I'm seeing on the Pre-Qual...

$26500 Amex EDP / $20000 Merrill+ / $12000 Chase Sapphire Preferred / $12000 Chase British Airways / $7500 Barclays Arrival+ / $7500 FIA Amex / $7500 Paypal Extras MC / $7000 Chase Freedom / $3500 Discover It
Message 35 of 8,129
Super Contributor

Re: Garden Club Meeting - January 2014

 


jspring86 wrote:

I'm new, but I'm looking to join this garden club thing!  I am planning to not app for anything else until July 2014 at the earliest.  Glad to be a part of this!



Welcome to the garden club we're so glad to have you join us.Smiley Wink

Pull up a chair make some new friends and plant your seedlings 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 36 of 8,129
Super Contributor

Re: Garden Club Meeting - January 2014


kaskuli wrote:

I just checked my score, I had to use my last myfico Power Report and it reported a score of 721, up from 676.

 

I have no idea why scorewatch didn't give a heads up, but since everyone is in a festive mood, I'm not going to be a party pooper.

 

Ready to start my app spree, I think.

 

Apping for Freedom, will this force Amex to do a sp?


Happy New Year

Marked as in attendance 

Good luck should you leave usSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 37 of 8,129
Regular Contributor

Re: Garden Club Meeting - January 2014

I'll be back soon with a seedling.

 

Have to get the Diamond, looks really cool

$26500 Amex EDP / $20000 Merrill+ / $12000 Chase Sapphire Preferred / $12000 Chase British Airways / $7500 Barclays Arrival+ / $7500 FIA Amex / $7500 Paypal Extras MC / $7000 Chase Freedom / $3500 Discover It
Message 38 of 8,129
Frequent Contributor

Re: Garden Club Meeting - January 2014


kaskuli wrote:

I'll be back soon with a seedling.

 

Have to get the Diamond, looks really cool


+1000...I'm thinking of the benefits that come with it.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 39 of 8,129
Mega Contributor

Re: Garden Club Meeting - January 2014

Well! I'm going to go and tear up the town in my mind! To old to cold to do any thing else! See everybody next year! Happy New Year ! Smiley Very Happy

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 40 of 8,129