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Garden Club Meeting - May 2014

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mongstradamus
Super Contributor

Re: Garden Club Meeting - May 2014


@fargobzn wrote:

@mongstradamus wrote:

 


Maybe best plan of action is reduce utilization and just use freedom and make sure you are good on paying on time.I probably wouldn't rely on getting auto CLI,it seems pretty random.


Yeah based on a few searches I did Chase seems to be very random. For now I will just try to make my credit profile as strong as possible, which means as you say keep utlization low and pay on time. 


Would also still try to get collection deleted early ,that wouldn't matter as much if you don't plan on applying before September when its scheduled to fall off. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 591 of 2,799
ayles
Established Contributor

Re: Garden Club Meeting - May 2014

Hey GC.  So discover statement posted; new date is the second of every month.

 

I am kinda disappointed because I was hoping my cash back would hit 50 so I could do a statement credit which has triggered clis for others on this forum but it came to $48.85 UGH!

 

Oh well, have to wait until next month I suppose...



Current scores: myFICO: 670/TU(Wal): 664/TU(Dis): 659 (Goal: 700)
Last app: 1/3/2014; (Prayerfully!) gardening until: 7/3/2014

~I'm living for an audience of One!
Message 592 of 2,799
mongstradamus
Super Contributor

Re: Garden Club Meeting - May 2014


@ayles wrote:

Hey GC.  So discover statement posted; new date is the second of every month.

 

I am kinda disappointed because I was hoping my cash back would hit 50 so I could do a statement credit which has triggered clis for others on this forum but it came to $48.85 UGH!

 

Oh well, have to wait until next month I suppose...


That's an bummer ,BTW hi! Your statement posted so you got your new fico score?



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 593 of 2,799
ayles
Established Contributor

Re: Garden Club Meeting - May 2014


@mongstradamus wrote:

@ayles wrote:

Hey GC.  So discover statement posted; new date is the second of every month.

 

I am kinda disappointed because I was hoping my cash back would hit 50 so I could do a statement credit which has triggered clis for others on this forum but it came to $48.85 UGH!

 

Oh well, have to wait until next month I suppose...


That's an bummer ,BTW hi! Your statement posted so you got your new fico score?


Hi Mong Smiley Happy My fico score was last updated 4/27 which was before I had requested a new due date so I'm assuming it won't refresh until the 27th of this month?



Current scores: myFICO: 670/TU(Wal): 664/TU(Dis): 659 (Goal: 700)
Last app: 1/3/2014; (Prayerfully!) gardening until: 7/3/2014

~I'm living for an audience of One!
Message 594 of 2,799
mongstradamus
Super Contributor

Re: Garden Club Meeting - May 2014


@ayles wrote:

@mongstradamus wrote:

@ayles wrote:

Hey GC.  So discover statement posted; new date is the second of every month.

 

I am kinda disappointed because I was hoping my cash back would hit 50 so I could do a statement credit which has triggered clis for others on this forum but it came to $48.85 UGH!

 

Oh well, have to wait until next month I suppose...


That's an bummer ,BTW hi! Your statement posted so you got your new fico score?


Hi Mong Smiley Happy My fico score was last updated 4/27 which was before I had requested a new due date so I'm assuming it won't refresh until the 27th of this month?


Ohh not sure I actually had an talk with discover today about change of due date,Apr reduction,and sp cli. I wanted to verify that due date change was in place they said in June is when I will see change . I did get an Apr reduction from 22.99 to 18.24 not the best but at least its progress. Alas no sp CLI I will try again next month when i go for my amex 3x CLI. No fico score for me for at least another week.



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 595 of 2,799
sailor_mercury
Valued Contributor

Re: Garden Club Meeting - May 2014

Checking in.... VERY late....

NFCU nCashRewards VISA - $20,000 | NFCU nRewards $10,000
AMEX Costco TrueEarnings $5,000 | AMEX Delta Gold $1,500
Chase SWA VISA $5,000 | Chase Slate $3,500 | Chase Amazon Rewards VISA $3,000
HSN Mastecard $3,500
Message 596 of 2,799
Kenny
Moderator Emeritus

Re: Garden Club Meeting - May 2014


@tcbofade wrote:

@KennyRS wrote:
Just popping in and out before I go to sleep!


tcbofade -- I need to go there, but I know that I'll need to buy other stuff than ordering exterior doors and waiting for them to ship. I'm really almost scared and don't necessarily know which way to go about getting them installed/bought. I want to use financing from HD or Lowe's and have the 0% coupon, but I don't know if they'll let me. Just need to get more info!

Hope you buy something fun that you want. Smiley Happy

Can't say about HD...never tried it.

 

At Lowes, if your purchase is $299 or more, and you use your Lowes card, you'll get 18 months at zero percent, OR 5% off of the transaction total...your choice.

 

(If you spend $3500 or more on a SINGLE transaction, you can choose 84 months at 5.9%)

 

I am planning to purchase a $350ish self propelled brand new lawn mower....mostly because we are now home owners and I have NEVER owned a "brand new" lawn mower, and our current mower is well past its life expectancy.

 

 


We had a propelled push lawn mower, as well, and I definitely wouldn't go back to the non-propelled type. Our yard isn't big enough for a riding lawn mower, otherwise I would have chose that though.

Have fun with your spiffy new wheels. Smiley Wink

Message 597 of 2,799
mongstradamus
Super Contributor

Re: Garden Club Meeting - May 2014

Went to Walmart card site and got chance to upgrade to discover version, I will wait and see if this Walmart MasterCard comes to fruition.



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 598 of 2,799
FocusedAndDetermined
Senior Contributor

Re: Garden Club Meeting - May 2014

Good Morning GC!!!

 

It's been awhile since my last check in - I've missed everyone.  Hope all are doing well.

 

As hectic as I knew these fw months would be, last week something came out of left field that really ramped up the insanity.  With that being said, I'm weathering the storms pretty well.

 

In credit news,  I turned silver again on the 26th of April and have seen a sligh uptick in my TU score (haven't checked the others).  This time last year between new car and student loans my balances were approx. $41K; they are now less than $17k!  How happy I will be next year when I make the final payments.  Building lots of points on my Arrival for future trip.

 

Hope everyone has a great end to the weekend and good start to the new week.  Check back again when time permits.

 

Message 599 of 2,799
-Wade-
Valued Contributor

Re: Garden Club Meeting - May 2014

Howdy all Smiley Happy hope everyone is having a great day.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 600 of 2,799
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