Credit Card Center Advertiser Disclosure†
11-01-2012 09:48 PM
Here I am, in the garden. Yes, app free. Sitting here just enjoying the dirt. LOL
11-01-2012 11:24 PM - edited 11-01-2012 11:26 PM
Poppin in to say hi! Haven't been around since May. My goal back then was to garden until Oct. Still app free since the beginning of Apri. I did incur an unexpected HP in August when I requested a CLI on one of my Citi cards. And it was declined.
I weeded out my Cap 1 when the AF came due. My Gap VISA received a $2300 auto CLI. Must have just happened in the last few days. GE has truly been generous. Still no luv from Barclays though.
My new goal is to stay in the garden until Jan/Feb. I would like to switch my AMEX to a BCE/BCP before the AF comes due.
11-01-2012 11:28 PM
I was involuntarily yanked out of the garden!!! i applied for an Amex green card and was denied on Oct. 11, 2012. Amex did another HP on Oct. 31, 2012 which i did not ask for and then sent me an approval email. Do I have to start over???
**bleep**? did you have any other Amex cards? probably not since they only soft you if your declined once you have a Amex product. I dunno potentially you could sue them, but hey I think the relationship with Amex is more important in a lifetime than a $1,000 check.
I agree about the relationship with Amex!
11-02-2012 12:05 AM
A few times I was tempted but nope... no apps.
11-02-2012 01:56 AM
Just checking in for this month. Will be in the garden for at least 12 more days. Then I'll have to get a little (not so fresh) inside of a bank air. Gonna try to pick up a personal loan, to pay off an old defaulted student loan.
11-02-2012 05:11 AM
Entering the garden for the first time...October involved closing on a house and a spate of apps with my shiny new scores, but now I am finished to let the garden grow and watch the new balances from home ownership purchases shrink. I think I pushed my app spree to far anyway, so lesson learned. The garden is a very happy place!
11-02-2012 09:35 AM - edited 11-06-2012 07:08 AM
Priceless is in the house! LOL
Trying to hold out until April 2013. That depends on if I need to open another revolving card. I am seeing in a lot of forums stating it is best to have a minimum 3 revolving accounts and I only have 2. But as of today, my last hard pulls was June 2012 and thankful both pulls were approved and I have to credit cards.
I also am trying to find out what is considered a good credit limit. I have a 500 secured limit and a 1000 unsecured limit.
11-02-2012 11:26 AM - edited 11-02-2012 11:27 AM
It was an interesting end of October here in NJ. We were hit by Hurricane Sandy and I've been without power or heat for nearly five days now. BoA is offering CLIs for people affected by the storm, but I haven't requested one because I don't know if it is a hard or soft pull. It would be nice to have a CLI just in case it is needed.
Earlier in the month, I got auto CLIs on my Discover ($1000 making the new limit $2700) and Walmart Discover ($2500 CLI to $4500). That was nice since it gives me some backup if the situation here requires it.
I really hope we get our power back soon. It's been so cold here. (45 degrees last night)
11-02-2012 02:09 PM
Just got a score watch alert. Score is up 4points, whoooo hoooo! Gardening is Fruitful!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.