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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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: 989
Registered: ‎02-03-2009
0

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, Nasa FCU Plat Cash Visa, 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 (10/2014): 813; EX (6/14): 775
Frequent Contributor
codimom
Posts: 394
Registered: ‎09-08-2010
0

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
0

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
0

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: 2,829
Registered: ‎03-14-2012
0

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 715 (Barclay) 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
0

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
0

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: 270
Registered: ‎09-30-2012
0

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: 1,777
Registered: ‎06-16-2012
0

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:


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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