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Garden Club Meeting - June 2013

Valued Contributor

Re: Garden Club Meeting - June 2013

I was a baaaad boy.  I got a preapproval offer from FNBO Amex, so I went for it.  Since I was already out of the garden I went for the Delta Sky Miles card too.  Oh well, but yeah got them both.  I can't even imagine what other card I could want at this point, so I guess there is no point in making any plans.  Might just sit here and garden again.  Just hang out here and tend to the good things and get rid of the brown ones.  I already axed the Merrick secured card, since they don't have a plan for it to go unsecure and they don't wave the annual fee.  Oh well almost 6 years old, so some sadness there.  But hey, it doesn't matter now that I have a complete portfolio.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 71 of 3,571
Moderator Emerita

Re: Garden Club Meeting - June 2013

@NewtoCredit80

Haha... That's one way to look at it!

Congrats
Message 72 of 3,571
Established Member

Re: Garden Club Meeting - June 2013

Hi all! I just discovered this forum about two weeks ago in the middle of my app spree.  I'm all done now and am committing to the garden for at least 6 months.  Today is my first day so I'm hoping I can hang in here until 1/1/14 (at the least).  My goal is to get the Delta Amex and a Macy's store card. I don't want anything else after that.  The Delta Amex is the one I want the most.  ETA: My seedling won't show for some reason. Smiley Sad

Message 73 of 3,571
Moderator Emerita

Re: Garden Club Meeting - June 2013

@myjourney

Glad to see you are still around.
I agree, this thread has taken on a whole new level - it's wonderful!
Message 74 of 3,571
Super Contributor

Re: Garden Club Meeting - June 2013


bernhardtra wrote:

I was a baaaad boy.  I got a preapproval offer from FNBO Amex, so I went for it.  Since I was already out of the garden I went for the Delta Sky Miles card too.  Oh well, but yeah got them both.  I can't even imagine what other card I could want at this point, so I guess there is no point in making any plans.  Might just sit here and garden again.  Just hang out here and tend to the good things and get rid of the brown ones.  I already axed the Merrick secured card, since they don't have a plan for it to go unsecure and they don't wave the annual fee.  Oh well almost 6 years old, so some sadness there.  But hey, it doesn't matter now that I have a complete portfolio.


Lol you did it congrats 

See I told you that FNBO seems that everyone who gets the pre-approval seems to get approved WTG on both

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 75 of 3,571
Moderator Emerita

Re: Garden Club Meeting - June 2013

@bernhardtra

It's ok! Welcome back; remember its ok to leave ESP if its results in 2 approvals.
Message 76 of 3,571
Super Contributor

Re: Garden Club Meeting - June 2013


startnow wrote:

Hi all! I just discovered this forum about two weeks ago in the middle of my app spree.  I'm all done now and am committing to the garden for at least 6 months.  Today is my first day so I'm hoping I can hang in here until 1/1/14 (at the least).  My goal is to get the Delta Amex and a Macy's store card. I don't want anything else after that.  The Delta Amex is the one I want the most.  ETA: My seedling won't show for some reason. Smiley Sad


Welcome to the forum and the garden we're glad to have you as our newest member Yay.

Keep gardening and that Delta will be yours 

.

As for your seedling copy and paste the whole line from < to >

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 77 of 3,571
Super Contributor

Re: Garden Club Meeting - June 2013


09Lexie wrote:
@myjourney

Glad to see you are still around.
I agree, this thread has taken on a whole new level - it's wonderful!

This thread rocks

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 78 of 3,571
Moderator Emerita

Re: Garden Club Meeting - June 2013

@startnow

Welcome to the forum and the GC!

We are here to support and give advice. If you ever need a little Benadryl to help with app itch, just send up a flare!
Message 79 of 3,571
Established Member

Re: Garden Club Meeting - June 2013

Thanks @myjourney! I tried that but it still didn't work. Oh well, I will take it out for now.

Message 80 of 3,571