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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Garden Club Meeting - November 2012

[ Edited ]

App spree gave me 0 rewards to

 

5% catagories with freedom

2.56% with Sapphire for dining or travel (2%+ 7% annual bonus+20%extra bonus for travel)

1.27% with Sapphire for everything else

5-6% APR with Navy Federal Platinum (my emergency balance transfer line lol)

6% on groceries, 3% on gas  and department stores

 

Average of 4.5%+ annually with Chase Trifecta + Sapphire combination.

 

now my next target

US Bank Cash+ for 5% back restaurants and 5% billpay then I'll be done.

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
emptypockets
Posts: 959
Registered: ‎02-03-2009

Re: Garden Club Meeting - November 2012

Checking in for November. No apps since 9/17. Plan is to stay in the garden until February, 2013. I will probably cancel AMEX PRG then (AF too high for me, it's nto meeting my needs). May (possibly) app for AMEX SPG then. I keep getting BOA pre-approvals, last one was decent offer but I am holding out as I need to combine, prune some cards.

 

Happy Gardening to everyone.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (7/8/2014): 814; EX (6/14): 775
Frequent Contributor
codimom
Posts: 386
Registered: ‎09-08-2010

Re: Garden Club Meeting - November 2012

ahhh... 22 more days til I get my shiny bronze spade back.


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Valued Member
asp123
Posts: 47
Registered: ‎10-11-2012

Re: Garden Club Meeting - November 2012

Still have my gloves on and I am claiming my gold spade early!  November 15th will be six months since last app.  I have all the credit I need right now and am still working on my plan to be below 10% utility by my birthday in July!!  My Birthday Gift will hopefully be NFCU credit card and Barklays!!  I can't wait!!!

 

I love the food on the table and wanted to add about 3 pounds of this candy I had left over from Halloween!

 

Enjoy!!


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


Take the FICO Fitness Challenge




Valued Member
asp123
Posts: 47
Registered: ‎10-11-2012

Re: Garden Club Meeting - November 2012

MODERATORS:  Something funky going on with my sig...how can I fix it!?!?! :smileyhappy:


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


Take the FICO Fitness Challenge




Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: Garden Club Meeting - November 2012

Hello Garden Club Members!

I'm checking in for November.  Today I am 70 days app free.  Looking forward to upgrading my bronze spade to silver in a few short weeks!

Wishing everyone a Happy Thanksgiving and an app free November!!



Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008

Re: Garden Club Meeting - November 2012

yeah, I can't get my little seedling to show up properly


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Regular Contributor
InvincibleSummer2
Posts: 171
Registered: ‎06-15-2012

Re: Garden Club Meeting - November 2012

Still here, waiting until tomorrow to see updated reports. Starting to feel a little itchy, only because my reports should now have my formerly defaulted student loans updated to gorgeous default-free tradelines. Last I checked, they weren't entirely finished. I want to see those new scores very much, as I'm hoping that I'll see some boost-y action from that.

I always look forward to the updates on these GC threads, too. Yay for the 1st of the month!



Frequent Contributor
obageegee
Posts: 268
Registered: ‎09-30-2012

Re: Garden Club Meeting - November 2012

Starting second month in the garden. App free this month! lol




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Garden Club Meeting - November 2012

Hello everyone!....just checking in myself for the month of Nov. Eight more days and it will be a full month that i am application free!...:smileyhappy:



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).






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