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Garden Club Meeting - July 2013

Super Contributor

Re: Garden Club Meeting - July 2013


ktl72455 wrote:

I am here Smiley Very Happy


Marked as in attendance 

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 281 of 2,774
Super Contributor

Re: Garden Club Meeting - July 2013


rtw wrote:

178 days in the garden! I'm getting close.


T-2

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 282 of 2,774
Regular Contributor

Re: Garden Club Meeting - July 2013

june 26 marked 60 days in the garden....  going strong.....

 

 

hope everyone is doing well.

Message 283 of 2,774
Regular Contributor

Re: Garden Club Meeting - July 2013

I have to start over again officially July 1...

 

I applied yesterday for an AmEx BCE.  Got approved with a $2000 limit.  Gotta spend spend spend all but gas on it and try for the 3x CLI in 90 days.  Otherwise, I'm going for 2 years no apps.  Starting... NOW!

AMEX True Earnings (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Message 284 of 2,774
Super Contributor

Re: Garden Club Meeting - July 2013


startnow wrote:

I'm late but I'm still here!


As long as your here you're not late Lol

Marked as in attendance 

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 285 of 2,774
Super Contributor

Re: Garden Club Meeting - July 2013


culture wrote:

june 26 marked 60 days in the garden....  going strong.....

 

 

hope everyone is doing well.


Hi culture

Looking good 60+ and garden strong

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 286 of 2,774
New Contributor

Re: Garden Club Meeting - July 2013


manwoot wrote:

I have to start over again officially July 1...

 

I applied yesterday for an AmEx BCE.  Got approved with a $2000 limit.  Gotta spend spend spend all but gas on it and try for the 3x CLI in 90 days.  Otherwise, I'm going for 2 years no apps.  Starting... NOW!


Congrats on the BCE! Atleast you now have a great card to enjoy while in the garden.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Message 287 of 2,774
Super Contributor

Re: Garden Club Meeting - July 2013


manwoot wrote:

I have to start over again officially July 1...

 

I applied yesterday for an AmEx BCE.  Got approved with a $2000 limit.  Gotta spend spend spend all but gas on it and try for the 3x CLI in 90 days.  Otherwise, I'm going for 2 years no apps.  Starting... NOW!


Congrats on the new Amex and welcome to the garden so happy you oined us Smiley 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 288 of 2,774
New Contributor

Re: Garden Club Meeting - July 2013


GatorGuy wrote:

manwoot wrote:

I have to start over again officially July 1...

 

I applied yesterday for an AmEx BCE.  Got approved with a $2000 limit.  Gotta spend spend spend all but gas on it and try for the 3x CLI in 90 days.  Otherwise, I'm going for 2 years no apps.  Starting... NOW!


Congrats on the BCE! Atleast you now have a great card to enjoy while in the garden.


I concur.  Enjoy the great card while in the garden.  Congrats!


Starting Score: 4/26/13 EX 763 / TU 771 / EQ 758 Goal Scores: 800
Current Score: 9/10/17 EX 830 / TU 833 / EQ 849
Palladium Garden Club Member: App Free since 8/12/16. No more apps til 20??
Cap1 QS MC $2.15K | Cap1 QS Visa $3.25K | Chase Freedom $4.3K| Chase Amazon $4.5K
Citi Double Cash $6.8K | Barclay Ring $7.5K | Discover IT $15.9K |Amex BCP $18.6K
Message 289 of 2,774
Highlighted
Valued Contributor

Re: Garden Club Meeting - July 2013

well guys yesterday was my birthday. the big 22 =) 

i spent no money and applied for no cards.  some of this extra money will go towards these 0% balances that are actually under 1k now even though they are free until 2014

 

utilization is coming down this month either way. 

 

2 eq inq aged over a year leaving only 4 more (all 8-30) 

if you go by the 1st of the month  3 of my cards aged over a year yesterday. 

Walmart (5k) Ae(1.2k) and Freedom (1.5k)  now just 2 cards under a year. 

next month is going too be bittersweet. as i really want the discover it but am still holding back. 

 

7 months strong on the 5th of complete gardening. and 11 months being inq free. 

i wonder how much of a score gain ill get for 4-6 inq each aging over a year (leaving me with none) (720's i hope Smiley Wink)

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 290 of 2,774