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Garden Club Meeting - May 2013

Regular Contributor

Re: Garden Club Meeting - May 2013

Stepped out ever so briefly last month for a car upgrade! In the garden for the foreseeable future, probably until it's time to move into a new apartment!


Debts are going down as well, so happy I decided to control my spending and get that debt down! Freedom and Discover should be paid off by mid May, then it will be time to hammer at the big boys.

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Message 81 of 2,553
Frequent Contributor

Re: Garden Club Meeting - May 2013

Well, I fnally took my chance this morning, was breathing pretty nervously and put in All my app info (I also have a student checking account and savings account with Chase if that helps any bit.) and then submit, 30 seconds later, I got an instant approval message! I'm so happy right now, I can't say. I thought I was getting denied again. I'm sure it will be a low limit, but that is fine with me. Now it's Amex next, and then back to the garden I go. I can't get a picture to post here, so if someone can help me that would be great. This is the only one I got....

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 82 of 2,553
Established Contributor

Re: Garden Club Meeting - May 2013

Checking in to pick up that bronze spade! Happy Gardening everyone!

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 83 of 2,553
Valued Member

Re: Garden Club Meeting - May 2013

I will have been in the garden for almost a year at the end of this month!  (Unless you count that Verizon Inquiry to switch my cell phone provider).


Soon it will be time to see if that Capital One card fixed enough nitrogen for me for new seedings. (bad gardening joke)

myFICO Equifax - 675 (June 2013)
myFICO TransUnion - 700! (June 2013)
Credit Karma - 682 (June 2013)
Starting Score - 603 (December 2012)

In the garden since 6/7/2013
Message 84 of 2,553
Moderator Emeritus

Re: Garden Club Meeting - May 2013

I just pulled my scores for the month, and I'm happy to report that I received a 4 point bump on EQ! Over time, the new credit ding will fade more and more. Moving forward!!! 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 85 of 2,553
Regular Contributor

Re: Garden Club Meeting - May 2013

It has been 3 months since my last app! I'm planning on waiting until Jan 2014 for my next app, AmEx BCP. I've been pushing back the date for the AmEx constantly, but I just want to make sure my reports are the best they can be at the time of the app! 

Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3

Take the FICO Fitness Challenge
Message 86 of 2,553
Established Contributor

Re: Garden Club Meeting - May 2013

It's May and I am still in the garden!!!!! Day 116. I registered with myFICO Forum one year ago today and my scores were abysmal. Thanks for everyone's support and advice.  

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 87 of 2,553
Regular Contributor

Re: Garden Club Meeting - May 2013

Still here. Decided to focus on paying down SL debt. According to myy current schedule, I'll have paid off 1 loan by December so that I can move the full payment to my biggest loan. 

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 88 of 2,553
Valued Contributor

Re: Garden Club Meeting - May 2013

I have been gardening all through the winter. Couldn't stop myself from planting a couple of 'cardlings' last month. Back to Garden now.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 89 of 2,553
Established Contributor

Re: Garden Club Meeting - May 2013

i am not ready to dedicate my life to the garden no more apping ... i got my plastic bubble ready ..... 6 month run then will see if i can get a unsecured finally .... last month i started but i hardly didnt app for anything...
CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $2k - Merrick $800 - CreditOne $700 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 90 of 2,553