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Valued Contributor
Swapmeet
Posts: 1,398
Registered: ‎11-10-2012
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Re: Garden Club Meeting - March 2013

[ Edited ]

Deltadog03 wrote:

After getting approved for 2 new cap 1 cards, which should be here soon, I'm heading into the garden. Total noob here, but getting credit back on track. How ling do y'all typically stay in?  6 month?


I am fast approaching one month (6 days away), and I plan on staying in until the end of may-mid of june. So this stint will only be 4-5 months. I think that it depends on the situation of the individual gardener.



My Wallet: WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: USAA CLI (both cards) 8-15-14
Frequent Contributor
pazuzu
Posts: 323
Registered: ‎01-14-2009
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Re: Garden Club Meeting - March 2013

Not only have I abstained from applying for new accts, I have also not requested any CLIs on the cards I have b/c that is credit seeking behavior, too.

 

THOU SHALT NOT SEEK ADDITIONAL CREDIT IN ANY FORM!

 

 

 

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***CREDIT SESAME 805***




Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: Garden Club Meeting - March 2013

Sweet!  Ya I really want to wait until summer when I can see some hard pulls come off the report. I will have a baddie or off this summer as well. 

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Contributor
creditnocash
Posts: 2,196
Registered: ‎07-23-2012
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Re: Garden Club Meeting - March 2013


tinuviel wrote:

creditnocash wrote:

Well congrats to everyone joining/ staying in the garden. 

 

i am officially 6 months of no inquries, and  getting my silver spade on the 5th, unlike last time though im in it for at least a platinum spade! (9 more months to go) and all my inquries will be over a year and a half. 

 

discover has been sending pre approvals for the it, but im holding out for another amex, and a cli on my freedom. 

 

happy gardening too all, and good luck this month. 


 

If you haven't apped for six months, then you should already be at gold spade status. :smileyhappy:


we had this talk! i would love to show a gold spade. as stated i have no inquries in the past 6 months, but i did open a new account on 12/5/12. my highest limit credit card. no pull needed.

Current: Discover Fico 689 7/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Simply827
Posts: 651
Registered: ‎10-15-2012
0

Re: Garden Club Meeting - March 2013

Aww man. I almost fell out of the garden on my first day. :smileyembarrassed:

 

I wanted to try out the shopping cart trick at NY & Co. Fortunately nothing popped up. If it had, I might have been weak and taken it.

 

I got a SW alert that my score went up by 15 points. It should go up even more when I have a zero balance post and another card with lower utilization. That should be incentive enough for me to sit on my hands. :smileyhappy:


Starting Score: 515
Current Score: EQ 667 EX 670 TU 683
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | DCU $5000 | Chase Freedom $4000 | Citi TYP $3500 | Barclay Ring $3500 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Established Contributor
CribDuchess
Posts: 613
Registered: ‎09-12-2011
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Re: Garden Club Meeting - March 2013

I am now 3-months app free and picked up a silver spade this past Monday, Feb 25th.  Hoping to trade it in for a gold one in May.  Applying soil to my garden and sprinkling with vitamin water to encourage growth.

 

Good luck to all gardeners!  Stay strong!

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Fidelity Amex $15K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
creditnocash
Posts: 2,196
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - March 2013


CribDuchess wrote:

I am now 3-months app free and picked up a silver spade this past Monday, Feb 25th.  Hoping to trade it in for a gold one in May.  Applying soil to my garden and sprinkling with vitamin water to encourage growth.

 

Good luck to all gardeners!  Stay strong!


congrats! i hope we see our gold spades together in may/june

Current: Discover Fico 689 7/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
CribDuchess
Posts: 613
Registered: ‎09-12-2011
0

Re: Garden Club Meeting - March 2013


creditnocash wrote:

CribDuchess wrote:

I am now 3-months app free and picked up a silver spade this past Monday, Feb 25th.  Hoping to trade it in for a gold one in May.  Applying soil to my garden and sprinkling with vitamin water to encourage growth.

 

Good luck to all gardeners!  Stay strong!


congrats! i hope we see our gold spades together in may/june


Thank you!  I hope so, too and I think we are well on our way to reaching that goal.  :smileyhappy:

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Fidelity Amex $15K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - March 2013

[ Edited ]

Still here... :smileyhappy:

 

March looks like it may turn out to be a very good month.

 

I will be paying down a large chunk of my remaining revolving debt, which should push me to around 2% util on all of my cards, with a balance remaining on only one (util on it will be at about 30% - 0% BT through the end of the year).  This is a far cry from my close to 70% util I had (with $26000 in revolving debt) when I started on this journey just over 1 year ago.  

 

Also, this is the month I am eligible for CLIs on my 3 GE cards (I try to avoid the underwriter unless I am declined).  Here are my results:

 

PayPal SC - $4000 --> $5000

Amazon - $5000 --> $6400 (this was an auto CLI - discovered it when I logged on :smileysurprised:)

Walmart Discover - $4000 --> $6000

 

And oh yeah, I'll be exchanging my silver spade for a gold one on 3/16/13. :smileyvery-happy:

 


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

Established Member
brookele
Posts: 35
Registered: ‎01-28-2013
0

Re: Garden Club Meeting - March 2013

Just noticed I passed my 1month mark and am now the proud owner of a shiny new bronze spade!

 

I did get a credit steps increase on my Cap1 rewards card, which just turned 6 months old a few days ago, so now that's at $750 (where it'll probably stay forever now, haha. actually, I'll probably just wait till I get closer to the AF date and contact EO and see if I can get that fee waived. or maybe I'll just pay it for another year, we'll see.)

 

I'm excited to garden and see everything grow. I'm only 22, so I'm just starting my journey and I've definitely got time, and I feel like - other than, arguably, Cap1 - I've got a good bunch of cards here that will grow well with me.

American Express Blue Cash Everyday | American Express Green | Bank AmeriCard Travel Rewards | Barclaycard Ring | Capital One Rewards | Chase Amazon | Chase Freedom | Citi Simplicity | Discover IT | Fidelity Investment Rewards AmEx | Freedom First CU Visa | Hudson Valley FCU Visa | Paypal Extras MC | + several store cards

09/05/13


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