Credit Cards

[Epcot]

Nice, asp123!
I brought my util down from 80% to about 30% last month and I am patiently waiting for the new balances to report.

[asp123]

Epcot:  thank you!  

I am working on my util as well. This four point increase is the result of me paying off half of my lowest balance Credit card. I hope to have everything paid down by my birthday in July.   The gardening will help some as well!!!

Best wishes for you and your journey!

[rm3]

Gardening for next 6 months. Still waiting for n-rewards card to hit the credit reports. Hoping for a nice score boost.

Last App: November 7, 2012

[obageegee]

My last app was the 24th, then in today's mail I was approved for an Associated Bank Select Rewards Platinum with a $1000 CL. Guess I can cultivate on this one too!

[DesertLife]

I've been planning some airline travel, and have been itching to app for a few airline cards. Delta Skymiles and Alaska Airlines. It's tempting, but I haven't given in and I've alread paid and made my upcoming reservations so I think I'm clear now for a while. Also, I've been thinking about refi'ing my mortgage from 4.75% down to something like 3% now that I have an account and card with PenFed. Cash out of pocket now will pay off a long time in the future. I would want to refi to a 30 year mortgage rather than a 15 so I'm not locked into extra money out each month but can pay extra as I'm able. It's a tough decision, but I think refinancing would be worth stepping out of the garden for....... I hope it's not a slippery slope on the other side of that garden

[JPersat]

Entering the garden. Date of last app: 10/16/12, but capital one pulled a hard on 10/25 after the rep was specifically asked and said no, it's a soft For a CLI. Arguing with them now to get it removed.

i would love to stay for two years or more...but it ain't happening maybe 6 months once we get our mortgage crap straight. We were approved, then dh lost his job due to someone elses screw up, and found a new one. Pays less and I could've NOT told them..but I figured honesty was best!

[webhopper]

I'm still in the garden

Just a few more days til I get my spade back

Happy gardening all!

[jamie123]

Just checking in. I've been app free for 2 months with 10 months to go.

[Isanham]

Ahhh the iPad mini!  

The perfect birthday present for junior! 

'Click here for credit application'

Must... resist...the...temptation.....

Resisted the urge.  Set up a payment to AMEX prepaid and will get product protection and essentially pay cash for it in two weeks.  Will still get the iPad mini almost 2 weeks before his birthday.  

God save the spade!

[webhopper]

Good choice Isanham

I never really liked financing electronics on a credit card... seems like taking out a loan for frivolity.....

I would however charge a device to my amex and not feel bad because I know it will be paid in full.