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Garden Club Meeting - May 2013

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myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@SpecFile wrote:
Starting over from day 1. I did a pc today with my barclaycard and it cost me a HP on TU. It wasn't like I was apping for additional credit. Oh well, I now have a good rewards card and a low apr card in my wallet!! Let the gardening begin!!

Congrats on  the new Barclaycard and welcome back

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 971 of 2,553
mAndrew1980
Established Contributor

Re: Garden Club Meeting - May 2013

I'm in the Garden for 15 months. Next purchase is August 2014 when the lease on my car expires. I have a ton of new accounts and high % but by August 2014 my newest cc will be 15 months old. My wedding is in August so my utl% will probably reach 75% (eek!!!!) but hopefully I can get it under 50% within a year.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 972 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@tinuviel wrote:

Just popping in for a quick hello. Today's my DH's birthday, so I'll be busy celebrating with him tonight. Looking forward to tomorrow night's social and will hang out then. Happy gardening, everyone!


Tell DH Happy Birthday  

 

I'll miss the Friday Night Social but we have a wonderful surprise host sitting in for me. 

I'm so thankful the mystery host stepped in to help because I didn't want to let the garden downSmiley Sad

 

Thank you mystery host     Smiley Happy...You're already a hit in my bookSmiley Wink

I'll be on a plane going to see mom (surprise for mother's day) mumms the word Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 973 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@09Lexie wrote:
See ya tomorrow and seen birthday wishes to your DH.

myjourney and I will keep an eye on the GC for you!

Smiley LOL 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 974 of 2,553
09Lexie
Moderator Emerita

Re: Garden Club Meeting - May 2013

@mAndrew1980

Welcome to the garden!
Congrats on your impending nuptials and the garden looks like the best place for you.
Message 975 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@CREDITSURFER wrote:

I just wanted to say hi and this is my first offical day to step into the garden last card recieved today my VS $750CL. Time to let my AAOA increase.


Welcome to the garden 

Nice to have you here with usSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 976 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@mAndrew1980 wrote:

I'm in the Garden for 15 months. Next purchase is August 2014 when the lease on my car expires. I have a ton of new accounts and high % but by August 2014 my newest cc will be 15 months old. My wedding is in August so my utl% will probably reach 75% (eek!!!!) but hopefully I can get it under 50% within a year.


Welcome 

Plant those seedlings and before you know it ....it will be time to harvest.

Congrats on your up coming event in August

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 977 of 2,553
CREDITSURFER
Frequent Contributor

Re: Garden Club Meeting - May 2013


@09Lexie wrote:
@ CREDITSURFER

Welcome to the Garden! Pick up your seedling, grab a pair of gloves and a fresh watering can....how long do you plan on staying?

Well i plan to stay in the garden until atleast 9/5/13 at that time all card will be around 6months and my auto loan will be 2 years old. my AAOA should be around 11 months. I know thats not the greatest Smiley Sad i was hoping to pick up just one more card in Sept then back to the garden. Any advice is welcome.



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 978 of 2,553
09Lexie
Moderator Emerita

Re: Garden Club Meeting - May 2013

Message 979 of 2,553
CREDITSURFER
Frequent Contributor

Re: Garden Club Meeting - May 2013


@09Lexie wrote:
@CREDITSURFER

Are one of those BoA cc's secured?


Both are secured. 99/500 cash rewards and other is 300/300 secured.



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 980 of 2,553
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