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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.