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Garden Club Meeting - March 2013

Moderator Emeritus

Re: So I'm still happily gardening; a few measly days away fr...


webhopper wrote:
So I'm still happily gardening; a few measly days away from silver spade. I also have to confess that I had really bad app itch for SW Visa from chase due to the signup bonus. It could save me $750 in airfare over the summer.

I refrained... and got home from vacation to find my first prime pre approval in the mail... citi diamond preferred.
I have no desire even remotely for a citi card... but it feels good to be wanted...

So anyways... gardening is not without its struggles but I'm determined to stay the course.

It does, doesn't it?

 

Congrats on your will power. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1331 of 1,535
Moderator Emeritus

Re: Garden Club Meeting - March 2013


sengpatt wrote:
Upgrading to my silver spade today! Ideally, I'd like to stay in the garden until June. I'm hoping a SP CLI on my Gap card will help quell the itch that is coming on!

Lookin' good!!! Smiley Very Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1332 of 1,535
Established Contributor

Re: So I'm still happily gardening; a few measly days away fr...


webhopper wrote:
So I'm still happily gardening; a few measly days away from silver spade. I also have to confess that I had really bad app itch for SW Visa from chase due to the signup bonus. It could save me $750 in airfare over the summer.

I refrained... and got home from vacation to find my first prime pre approval in the mail... citi diamond preferred.
I have no desire even remotely for a citi card... but it feels good to be wanted...

So anyways... gardening is not without its struggles but I'm determined to stay the course.

This one is bothering me.  Every time I log into my Chase account I see the ad for it on the home page, and whenever I watch anything on YouTube I'm also getting their  banner ad that pops up.  I actually like SW/Airtran, and now the rewards are interchangeable which makes it even better.  

 

Have to stay strong (actually, it's not too bad right now) - the only thing that would uproot me would be a PenFed preapproval, and that has about as much chance of happening as Spring time in Ohio right now.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 1333 of 1,535
Moderator Emerita

Re: So I'm still happily gardening; a few measly days away fr...

For me it's the CSP and SW Card! The emails from SW are flooding my inbox and the bonus with CSP/Freedom combo is whispering in my ear. Must resist!!!😖
Message 1334 of 1,535
Valued Contributor

Re: Garden Club Meeting - March 2013

So seriously, I'm back now.  

 

Time to release the itch and I really think I'll finally be okay Smiley Embarassed.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 1335 of 1,535
Frequent Contributor

Re: Garden Club Meeting - March 2013

Ugh I'm starting over orchard/c1 did hard pull wo permission. But at least I went from 700 to 3k cl. I wasnt going to app for a year doesn't really change much.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 1336 of 1,535
Moderator Emeritus

Re: Garden Club Meeting - March 2013

I guess I'm lucky, because there's really nothing left out there that I want. I'm happy with what I have and I feel like my bases are pretty well covered as far as what I want from a portfolio of cards. No itches to report... just sitting here happily admiring the view. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1337 of 1,535
Established Contributor

Re: Garden Club Meeting - March 2013

I have just crossed the 4 month mark Smiley Wink

 

I have had all my reports frozen but my TU freeze has been lifted for the the whole month of March and I have stayed committed to being in the garden!! I think it is getting easier! I do feel a tad bummed that my scores have not really increased though. I guess I expected there to be some explosion of score increase by now..lol~ perhaps soon Smiley Wink

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 1338 of 1,535
Highlighted
Moderator Emeritus

Re: Garden Club Meeting - March 2013

I just received a SW alert. My Freedom has started reporting, and as expected, I got a new credit ding. My EQ score went down 15 points!!! Smiley Sad That's an ouch, but the card was worth getting, so now the only thing to do is sit back and wait for my score to recover. After all, that's one of the things that the Garden is for. So I'm updating the score in my siggy from 749 to 734 and then sitting back and enjoying a Long Island Iced Tea. I'm so grateful for the GC!!!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1339 of 1,535
Established Contributor

Re: Garden Club Meeting - March 2013


tinuviel wrote:

I just received a SW alert. My Freedom has started reporting, and as expected, I got a new credit ding. My EQ score went down 15 points!!! Smiley Sad That's an ouch, but the card was worth getting, so now the only thing to do is sit back and wait for my score to recover. After all, that's one of the things that the Garden is for. So I'm updating the score in my siggy from 749 to 734 and then sitting back and enjoying a Long Island Iced Tea. I'm so grateful for the GC!!!



You have still exceeded your starting scores for 2013 even with the Freedom reporting. Only up from here!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 1340 of 1,535