06-30-2013 08:25 PM - edited 06-30-2013 08:27 PM
Aww yeah, GC July!
Sigh* I almost applied for a CSP.. That's the only card i need right now, and I'm pretty much done with the app spreeeeeee after that. I will also garden for more than a year after I get a CSP..
06-30-2013 11:04 PM
Just checking in for the month of July. Still going strong, no itch here yet. Gold spade next month! Plan is to stay in the garden until at least November, and then maybe pick up a BCP and a Freedom (or PC from Amazon, trying to decide if the $100 cashback is worth a lower AAoA and I prefer a few high limit cards to numerous lower limit cards).
No real plans for credit in the near future unless I settle down and decide to buy a house, but that would be 2015 at least, in which case I will wait for my two baddies (SL lates that they won't budge on) to fall off as well.
07-01-2013 01:39 AM
I have the itch to app. I don't even believe in excessive credit cards so that is out of the question. I need help to stay in the garden until it's time for CLI's. Thanks
Just so you know, the fence has been charged and the gators haven't been fed all day.
Many thanks to you and Lexie! Idk, I'm a Louisiana girl. Gators might not scare me haha
Hmmm, in that case, does this work?
I'm thoroughly convinced and staying put now!
07-01-2013 02:35 AM
No Apps x 7 months, 3 negatives fell off, TU score bump of 8 points, time will heal all. Spending time in the real garden also, picken strawberries and rhubarb, yum yum!
Can't wait to app for my Chase Freedom in november. Utilization slowly going down, paying off some spendy bill, so I can apply more to CC's.
Best wishes everyone, and happy gardening!!!!!
07-01-2013 04:37 AM
For sure time to garden now. So far made it through my apps without ever being declined...but now Discover just refused a CLI after 6 months and this is a sign that I need to behave and garden until 2014 at least No problem..was just a "cosmetic" thing to try to adjust the CL to get closer to the other cards ... can live with it but will just adopt the use of the card - Shop Discover only - rest will go on higher limit cards.
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