Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 619
Registered: ‎09-26-2011
0 Kudos

Re: Garden Club Meeting - November 2012

Still sitting in the garden, but at least it's in my new house!  I knew I would be facing some expenses, but sheesh, this is getting bad.  I've maxed out my Lowe's card and my scores are reflecting it with a nosedive.  I am ready for the dust to settle on getting all my deposits back and cards/statements in hand (new address) so I can get crackin' paying some of this back down and watching my scores grow again.  Although, TU on USAA right now is in the 9000s (yep 9000) and there is no data to show at all for 2 days now, so something must be wrong with their system.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Posts: 81
Registered: ‎07-02-2012
0 Kudos

Re: Garden Club Meeting - November 2012

[ Edited ]

1 month and 3 days app free! Smiley Very Happy Keep it coming!

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0 Kudos

Re: Garden Club Meeting - November 2012

Yeah i know it's not bad and would still be reporting less then 9%. Only card I want is the true earnings Amex. Other then that I'm good. I won't be going for that until at least jan or greater.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Posts: 36
Registered: ‎05-31-2012
0 Kudos

Re: Garden Club Meeting - November 2012

[ Edited ]

I stepped out of the garden last month to open a NFCU checking/savings account and got their Cash Rewards Signature Card.


I'm in the garden for good until mortgage time comes around mid to late next year.

Established Contributor
Posts: 626
Registered: ‎09-10-2012
0 Kudos

Re: Garden Club Meeting - November 2012

Today I am officially 1 months app free Smiley Very Happy and no itching at all ... so far at least


Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Frequent Contributor
Posts: 495
Registered: ‎06-04-2011
0 Kudos

Re: Garden Club Meeting - November 2012

Checking in this week. One day shy of 200 days in the garden. No itch or anything just a little bored playing in the dirt. It comes and goes. I am still firmly planted here though until at least January but hopefully April.
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0 Kudos

Re: Garden Club Meeting - November 2012

8 more days until I get the bronze spade.... Happy gardening all!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Posts: 97
Registered: ‎06-28-2008
0 Kudos

Re: Garden Club Meeting - November 2012

In the garden...again...since 10/22/12 and I plan to be here for a while! I have my new Chase Freedom with a CL of $6000 and my new Discover with a CL of $6000. Let me get a cocktail and a snack and get comfortable!

Starting Score: ?
Current Score: ?
Goal Score: 720

Take the myFICO Fitness Challenge
New Member
Posts: 9
Registered: ‎11-04-2012
0 Kudos

Re: Garden Club Meeting - November 2012

[ Edited ]

I just applied for Kohls charge today (approved for $300) and applied for Target RedCard (approved, but not sure how much due to computer shut down while app was processing. Then hubby comes home complaing about toothache, so then I had to apply for CareCredit and requested $2000 and got approved (I should have requested $3000...oh well, maybe I'll get a CLI down the road...$2000 should be enough to cover possible root canal for now...I hope). I was going to apply to local credit union, but since they do a HP to approve membership, I think I'll wait 3-6 months before applying for membership and their Visa. So with 3 apps and 3 approvals today, and $500 CLI on Cap1 Platinum yesterday (SP I believe), I'm in the garden for next 3-6 months.

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Valued Contributor
Posts: 2,858
Registered: ‎06-08-2012
0 Kudos

Re: Garden Club Meeting - November 2012

casually sneaks back in the garden.


(In the garden for 10 hours!  No more apps till refi as I'm sticking to my plan.  Thanks NFCU for being as insane with credit as I am Smiley Happy  I think their computer must had been drapping when it approved me)

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.