Garden Club Meeting - November 2011

[baronofthenorth]

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@mAndrew1980 wrote:

I currently have both feet in the garden but I have one hand on the keyboard! Haha I'm on the fence about app'ing for Discover More.

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Having just attempted that and judging from your current cards, I would recommend holding off for a bit.  Discover is very sensitive to low AAoA and recent inqueries.  Wait until you have a year+ of history on your current account and let your score drift up to the 700 threshhold (it will).  Then pull the trigger.  I went from a 640 to a 751 in 1.5 years!  You can too!

[mAndrew1980]

Thankfully my fellow MyFico'ers knocked some sense in me and I did not app. Ahhhh, just sipping on a Diet Coke in the middle of the garden....

[sandsanta]

I hadn't been able to quite commit to the garden yet, but now I'm firmly placed for the next year and a half.  Its been a crazy month.

[mAndrew1980]

Do tell SandSanta, do tell!

[sandsanta]

I'll give a tally of the bloodbath once everything is firm.

[mAndrew1980]

holy bejeezus it's that bad LOL?

[kc12286]

I've been pretty good. Haven't app'd for anything since the VS card. I've used it heavily and paid it off, I believe I'm not a VIP Angel rewards member.

I haven't refinanced, as I could find any rates that made it worth shopping around.

I'm trying to find an MC that looks interesting, as they're partnered with Google Wallet and the new smartphones. So far nothing that I'd want to app for, so I guess I'll just garden until I find something.

[quest208]

a tally??  wow.  im heading for the hills.  i certainly dont want any ideas!  no way!