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Garden Club Meeting - November 2012

Valued Contributor

Re: Garden Club Meeting - November 2012

Hello Gardeners.

I am 85 days app free and it feels great.  No itch to apply for anything new, just an itch to get a silver spade.

I've been very busy with school the past few weeks so it has kept my mind off of applying for anything.  Plus I will be leaving for vacation in about a week, so that and the holidays should keep me occupied into 2013.

Just in case I get busy next week, I want to wish everyone a Happy Thanksgiving. And I'm wishing continued FICO success for each of you!



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
Message 191 of 287
Established Contributor

Re: Garden Club Meeting - November 2012


webhopper wrote:

teenastie wrote:

I'm just waiting for January when I can PC my Amex gold to a PR Gold as the annual 30k spending bonus would benefit me greatly.


That's awesome!!  Congrats on your progress!  Gold spade is amazing  Smiley Happy

Can you please fill me in on the PRG 30k spending bonus?   I'm considering this card and I haven't heard of this bonus!

 

Again, Congrats on the gardening!

 


Sure thing! Spend $30,000 or more on your Amex PR Gold card and receive 15,000 bonus MR reward points!



Message 192 of 287
Moderator Emeritus

Re: Garden Club Meeting - November 2012


teenastie wrote:

webhopper wrote:

teenastie wrote:

I'm just waiting for January when I can PC my Amex gold to a PR Gold as the annual 30k spending bonus would benefit me greatly.


That's awesome!!  Congrats on your progress!  Gold spade is amazing  Smiley Happy

Can you please fill me in on the PRG 30k spending bonus?   I'm considering this card and I haven't heard of this bonus!

 

Again, Congrats on the gardening!

 


Sure thing! Spend $30,000 or more on your Amex PR Gold card and receive 15,000 bonus MR reward points!


Ok, that made up my mind.  I'm apping for PRG in January Smiley Happy   Thanks!

I'm at YTD spend over 34k (did not even have the Zync card until the end of Feb 2012)  I had gotten the Zync just to "try it out" to see if I liked charge cards since I never had one.   My husband and I love the charge card.


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
Message 193 of 287
Frequent Contributor

Re: Garden Club Meeting - November 2012

App free since 6/28/2012

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Message 194 of 287
Valued Member

Re: Garden Club Meeting - November 2012

I'm still in the garden. I've been actively/purposely gardening for a good 4 months now... getting balances down, removing baddies, etc. And I am ONE POINT away from all of my scores being above 700 for the first time ever. It's crazy how much of a high it is to look at my scores and see a respectable number there. I must have gotten old when I wasn't paying attention because now the thought of being a responsible adult with a good credit score is so much more "sexy" than pretty much anything else I can think of. :-P

 

The credit cards I do have are subprime and so I know at some point I need to replace them... but with crappy income I'm thinking now isn't the time as I don't want to replace them with more crappy limits. Looks like more gardening for me, at least through the end of this year until I can determine what the next best course of action is. Silver Spade now, Gold, here I come!


Starting Scores July 2012: EQ FICO 645, TU FICO 636, EXP (CCT) 638
Feb 2015 Scores: EQ FICO 758, TU FICO 753, EX 749
Message 195 of 287
Regular Contributor

Re: Garden Club Meeting - November 2012

I've been relaxing in the garden, and trying to keep the app weeds at bay. Looking forward to my platinum spade in a couple months so I must stick to my long term goal of inquiries dropping off to zero.

Transunion (Credit Karma)- 817 (4/8/18)
Experian Fico (Amex)- 797 (4/8/18)
Vantagescore (Chase)- 817 (4/8/18)
Equifax (Credit Karma)- 817 (4/8/18)
Message 196 of 287
Frequent Contributor

Re: Garden Club Meeting - November 2012

i was weak and succumbed to temptation yesterday. Today is Day 1 in the garden.



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 197 of 287
Regular Contributor

Re: Garden Club Meeting - November 2012

I get a shiny spade in three days. Yay.

 

myFico reported a +6 increase today. Gardening is awesome!

BK7 Discharge: 2/18.
Message 198 of 287
Established Contributor

Re: Garden Club Meeting - November 2012

Still in the garden...closer to the platinum spade! Smiley Happy

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Message 199 of 287
Moderator Emeritus

Re: Garden Club Meeting - November 2012

Still in the garden.... app itch is strong for PRG. The fact that ive got a balance reporting from a remodel in my duplex plus a surprise tax bill my husband got from the state is keeping me firmly in the garden.

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
Message 200 of 287