Reply
Frequent Contributor
LearningMoreAboutCredit
Posts: 472
Registered: ‎11-08-2007
0

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: 730+ across the board | Goal: >760 FICO (1 down, 2 to go) | Total CLs: $59.8k/$60k Goal | Utilization: 14% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 14, TU: 8, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 6yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: CSP, Discover IT, Sallie Mae WMC
Established Member
jspring86
Posts: 21
Registered: ‎11-23-2013
0

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!
Community Leader
Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

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!:smileymad:


notfancy better be good going into 2014 Lol

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Regular Contributor
kaskuli
Posts: 191
Registered: ‎04-25-2013
0

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?

$22500 Amex BCP / $12000 Chase Sapphire Preferred / $7500 Barclays Arrival+ / $7500 FIA Amex / $7000 Chase Freedom / $2500 Discover It
Regular Contributor
kaskuli
Posts: 191
Registered: ‎04-25-2013
0

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...

$22500 Amex BCP / $12000 Chase Sapphire Preferred / $7500 Barclays Arrival+ / $7500 FIA Amex / $7000 Chase Freedom / $2500 Discover It
Community Leader
Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

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.:smileywink:

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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Community Leader
Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

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 us:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Regular Contributor
kaskuli
Posts: 191
Registered: ‎04-25-2013
0

Re: Garden Club Meeting - January 2014

I'll be back soon with a seedling.

 

Have to get the Diamond, looks really cool

$22500 Amex BCP / $12000 Chase Sapphire Preferred / $7500 Barclays Arrival+ / $7500 FIA Amex / $7000 Chase Freedom / $2500 Discover It
Frequent Contributor
LearningMoreAboutCredit
Posts: 472
Registered: ‎11-08-2007
0

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: 730+ across the board | Goal: >760 FICO (1 down, 2 to go) | Total CLs: $59.8k/$60k Goal | Utilization: 14% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 14, TU: 8, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 6yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: CSP, Discover IT, Sallie Mae WMC
Community Leader
Mega Contributor
coldnmn
Posts: 14,934
Registered: ‎08-08-2011
0

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 ! :smileyvery-happy:

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}