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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Garden Club Meeting - May 2013

I got me a nice set of RayBans, on the AMEX of course!! :smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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Registered: ‎09-13-2012
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Re: Garden Club Meeting - May 2013

Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
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Re: Garden Club Meeting - May 2013

Hi everyone! Glad to hear everyone is sticking to their gardening goals. Everyone is sounding very focused and it's certainly inspiring amidst all of the approval posts. It sure was hard to get through the workday after a long weekend. I felt like a zombie today. A small goal for me to look forward to is payday on Friday so that I can put a big dent in my CCs. Also, come June 9th, my inqs from Amex last year will be 1 y.o. I can definitely make it at least until then! 😜

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Garden Club Meeting - May 2013

I received an email earlier from AMEX inviting me to apply for the AMEX PRG, which is the card I'm gardening for. I know I probably have a good chance of approval because I'll have 11 months of credit history in June and my AAoA will be 6 months also. I just don't wanna risk getting 3 HPs when I can just wait a little longer and only get 1 HP on EX.

 

 


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
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Re: Garden Club Meeting - May 2013

@eviLution Been there, done that! It's probably best to wait. I had no idea they had triple pulled when I got denied last year. Wasn't really paying attention to stuff like that then. I think waiting definitely helped me out.

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
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Re: Garden Club Meeting - May 2013

Woohoo it's been 63 days in garden I've decided I'm staying in until march for sure maybe longer I'm liking my card lineup right now not anything new that I need currently except offing one cap1. Happening soon.
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


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Registered: ‎10-19-2012
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Re: Garden Club Meeting - May 2013


eviLution wrote:

I received an email earlier from AMEX inviting me to apply for the AMEX PRG, which is the card I'm gardening for. I know I probably have a good chance of approval because I'll have 11 months of credit history in June and my AAoA will be 6 months also. I just don't wanna risk getting 3 HPs when I can just wait a little longer and only get 1 HP on EX.

 

 


AFAIK, you'll get 3 HP's for your first Amex card. You'll get approved no matter when you apply though. If you're also shooting for an Amex revolver, now's your best chance.

Before I get scolded by all the angry gardeners, no, I'm not advising eviL to leave the garden. :cattongue:

Moderator
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Re: Garden Club Meeting - May 2013

@eviLution

I have the PRG and got the same email! Stick to your plan, July is a few weeks away
Community Leader
Senior Contributor
Posts: 26,716
Registered: ‎02-07-2013
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Re: Garden Club Meeting - May 2013


hot4u wrote:

over 6 weeks no apps... Brain is going crazy.... Found a old amex express I was AU on it... Keep staring at it and telling myself. Wait till next year to apply and back date it. This will help my AAOA. 

Got a year to plan it..


6 weeks is a great start bravo keep up the good work

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
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Re: Garden Club Meeting - May 2013

@sarkell

Congrats on 2+ mos in the garden. It's nice to be content.
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