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Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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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!)

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Established Contributor
Posts: 638
Registered: ‎07-28-2011
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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  :smileyhappy:

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!



Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - November 2012

[ Edited ]

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  :smileyhappy:

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 :smileyhappy:   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!



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Frequent Contributor
Posts: 269
Registered: ‎03-15-2012
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Re: Garden Club Meeting - November 2012

App free since 6/28/2012

Fico Scores: 763 EQ(12/11/12) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Valued Member
Posts: 47
Registered: ‎07-24-2012
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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
Contributor
Posts: 139
Registered: ‎05-30-2011
0

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.


Experian (CreditSesame)- 823 (8/2/14), 823 (Credit.com) (8/2/2014)
Equifax Fico (Citi) Fico- 808 (12/23/14)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Frequent Contributor
Posts: 384
Registered: ‎02-06-2009
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Re: Garden Club Meeting - November 2012

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


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
Regular Contributor
Posts: 114
Registered: ‎08-29-2012
0

Re: Garden Club Meeting - November 2012

I get a shiny spade in three days. Yay.

 

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


Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $3000
Current Score: TU98: 678 - 2/2012, Walmart TU - 672 2/2013, Equifax 713 - 1/2013
Goal Score: 700 for all three.
GC Challenge: App free since 1/2013. No more apps! 2015 for mortgage!
Frequent Contributor
Posts: 459
Registered: ‎03-09-2011
0

Re: Garden Club Meeting - November 2012

Still in the garden...closer to the platinum spade! :smileyhappy:



Enjoying your freedom? Thank a servicemember and their family!!!

In the garden since 05 Aug 14...
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

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!



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