11-01-2012 06:56 AM - edited 11-01-2012 06:56 AM
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.
11-01-2012 08:00 AM
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.
11-01-2012 08:44 AM
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!
11-01-2012 08:45 AM
MODERATORS: Something funky going on with my sig...how can I fix it!?!?!
11-01-2012 09:18 AM
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!!
11-01-2012 09:36 AM
yeah, I can't get my little seedling to show up properly
11-01-2012 09:51 AM
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!
11-01-2012 11:07 AM
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!...
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.