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I am going into the Garden as well. This year I have been approved for the Amex PRG, BOFA Cash Rewards, Citi Forward, and Discover More. I am planning to stay in the garden until may (my birthday month...lol). And then I plan to apply for the Chase Freedom, BCE, and Delta Card. Then garden again for a while or until my income improves. But so far so good credit wise!
What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa. Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.
Thanks to the Garden Club for helping me keep on track!
Today is day 90 to be app free. I earned that silver spade today. Piece of cake. Next will be gold.
Ladies/Gentlemen,
I have about 20+ inquiries on each report, due to my lack of knowledge before myfico and the ultimate itch of filling out an application hoping for an approval! But I have built up my mental strength and ready to endure 24 months of NO APPING!
My credit profile looks like this for now: BK7 Discharged June 2012,
Orchard(CAP1) : 113/300
Cap1 secured 150/200
First primier 0/300
auto loan: 5k soon to PIF intrest is way to high!
Cap 1 Authorized user: 0/500
All positive tradelines with all negative accounts in IIB status and one charge off from cap1 that will fall off 2016.
I know I need to pay down my balances asap and I am! Once my balances are all PIF i will start depositing 100 a month to my secured cap1 card so I can build upto a 3k balance so when I have 0 inquiries in 24 months I will look like I am in alot better shape than I am now. Any recommendations from the vets?
I will be canceling first primier when the 1st yr is up to avoid the annual fee and any additional fees and I suspect by then I will have built my cap1 secured to atleast 1000 dollars. I don't see why it should hurt me if I keep orchard open at a 0 balance and build my cap1 secured as well stay as a authorized user on my girlfriends cap1 which never carries a balance if it does it's PIF before statement cuts. I will be gardening my orchard and cap1 secured, I know it's not much but and I probably wont go too far with orchard but its okay because I know in 24 months when my cap1 is at its 3k limit I will be approved for some pretty good cards.. it will be 2 yrs post bankruptcy and 2 yrs of ontime payments on 3 cards.
@thankfulheart wrote:What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa. Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.
Thanks to the Garden Club for helping me keep on track!
Congrats on your new shiney bronze spade!
FYI, gifts from Santa are real! Yesterday I came home and there was a box from amazon, I opened it and there was a couple of items (Kindle Fire acessories) that I didn't order. The receipt inside said (A gift from Holly Lane)
I called Amazon (because I knew no one that would send me a gift via Amazon) they said it was a mix up but it would be easier for me to just keep the items. So... for those of you who were wondering. Santa is real, and he lives on Holly Lane
@thankfulheart wrote:What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa. Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.
Thanks to the Garden Club for helping me keep on track!
Congrats -- keep up the good work!
@gijoe4500 wrote:Today is day 90 to be app free. I earned that silver spade today. Piece of cake. Next will be gold.
Yay!!! Nice going!!!
@jennylocha wrote:Epcot did you at least get the card after scratching that itch? And what card was it that had such a powerful hold?! LOL!
I did get it! It was the Chase Disney card. I got denied early in the year due to high util. So I paid down my debt and tried again. So happy. The family is made up of annual passholders so we do go there alot!
Been a month now, I'm sure.
Was worth taking the hit for a $400 statement credit and an additonal tradeline and what will be my only Mastercard in a few months.
But, back into the garden I go.
Follow my financial journey: http://www.frugalrican.com
@gijoe4500 wrote:Today is day 90 to be app free. I earned that silver spade today. Piece of cake. Next will be gold.
Congrats on the silver spade!