Credit Card Center Advertiser Disclosure†
02-28-2013 04:08 PM
Greetings, fellow gardeners.
I hope to earn my broze spade at mid-month. Last month I apped for and got a Walmart Discover and an Amex BCE. I also knocked my utilization down from 32% to 14% and now to 8%. My scores went from low-mid 700s to high-mid 700s. Now to sit in that lawn chair in the garden and watch those AAoAs grow.
Hoping to stay in the garden until at least August, or better yet next February. Only 11-1/2 months to go!
02-28-2013 04:20 PM
Hi everyone! I'am still hanging in there
02-28-2013 04:26 PM
Aww man, I thought they allowed it, or at least I heard they allowed it. Can you apply for any card and then PC it to the BCE other then the Delta? for charge cards, I know if you wanted to downgrade or upgrade between charge cards they let you. But good to know, thank you!
You can PC through the same card grouping, according to the CSR; e.g. get a card in the blue group (blue, blue cash, BCE, or BCP) and you can PC to any other blue card...etc.
02-28-2013 04:29 PM
I'm back, rising like a phoenix from the ashes after I got locked out of my old account. (Bye bye, IS2, and hello IS3....still me, despite my password problems!)
I am newly Golden as of February. Still gardening my little patio garden of two secured cards, BUT one of them is an Orchard card that is unsecuring. So this is my first unsecured card in close to 12 years. Score is moving in the right direction, although not as fast as I'd like but meh, what can you do. Rebuilding is going well too. A big tax return helped me with some PFD's, so I'm feeling pretty good.
It's not a fast process, but I'm up close to 150 points since June 2012 when I started. I'm ready for Spring, and can't wait to see how things will bloom.
02-28-2013 04:30 PM
Welcome back to seedling status. It's not like I was in the garden... But the card that put me here was the freedom. So sit back, relax, and enjoy the sweet smell of freedom bro!
02-28-2013 04:43 PM - edited 02-28-2013 04:46 PM
I'm officially in the garden after being unofficially in for 49 months (can you count the time you weren't a member of myFico? ) Then I went on the app spree of my life and after successfully getting five new cards, 1 CLI on a new card and 2 CLIs on old cards, I am done for the time being. I'll stick around for six months (Labor Day) when it will be time for some CLIs.
Discover, US Bank and Amex BCP, you'll be on notice then!
Actually, I can do the BCP in just 61 days. Well, I guess my time in the garden for Spring will be short!
02-28-2013 04:45 PM
Still in the club...holding my purple watering can and gloves, and enjoying the company and good food...
02-28-2013 04:48 PM
Hi I'm new. I haven't had an app since 10/2011. Do I have to start at seedling or can I go to whatever level corresponds to that time? Thanks.
02-28-2013 04:52 PM
Mark me as in attendance and hello my fellow gardeners
02-28-2013 04:53 PM
I'd say go for the gold. Just because you didn't know you were in the garden does not mean that you weren't in the garden. I am no authority by any means, and this is my first time in the garden, so take my advice FWIW -- not much in this instance...lol.
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.