Reply
Valued Contributor
rootpooty
Posts: 1,754
Registered: ‎10-28-2011
0

Re: Garden Club Meeting - November 2012


jennylocha wrote:

I would like to garden too! Can you please give me some sound advice as I have new credit and have aquired all of my credit cards through some nights of crazy Apping and got all of these credit approvals in August-September 2012! I got trigger happy! Lol!


if you keep applying your going to keep getting low limit cards.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
jennylocha
Posts: 199
Registered: ‎11-24-2012
0

Re: Garden Club Meeting - November 2012

It was just a one time deal, wanted all of my cards at one time to not only start gardening, but also to get rid of all of the hard inquiries at the same time. Last app was two days ago for the Cap One Cash Rewards.....I'm truly done.

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - November 2012

I am checking in at the garden! Still app free at this time!!

I am planning a PRG app on 1/1/13... til then; happily gardening!

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
Regular Contributor
Tryon2improve
Posts: 201
Registered: ‎12-04-2011
0

Re: Garden Club Meeting - November 2012

I am joining the garden, no new apps until I apply for a mortgage in 2015.



Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Garden Club Meeting - November 2012

After scratching the itch over two weeks ago, an itch that had been there for almost a year for one card, I am happy to say I have no interest in applying for anything. I hope to garden for at least a year!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Frequent Contributor
codimom
Posts: 389
Registered: ‎09-08-2010
0

Re: Garden Club Meeting - November 2012

I'm back... and so is my shiny spade !!!


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


New Contributor
MYBEST
Posts: 72
Registered: ‎08-18-2010
0

Re: Garden Club Meeting - November 2012

You can do it! Good luck :smileyhappy:

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!



Regular Contributor
jennylocha
Posts: 199
Registered: ‎11-24-2012
0

Re: Garden Club Meeting - November 2012

Epcot did you at least get the card after scratching that itch? And what card was it that had such a powerful hold?! LOL!

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Valued Contributor
tcbofade
Posts: 2,189
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - November 2012

I'm still here...but 01 January is approaching...  :smileysurprised:



Current Scores: EX 671 (FCR) TU08: 648 Wally (TU08). 08/29/14 Last app 05/29/2014.
Being held hostage in the garden until 01 November 2014.

Zero percent financing is where the devil lives...
Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - November 2012

[ Edited ]

tcbofade wrote:

I'm still here...but 01 January is approaching...  :smileysurprised:


if amex approves me with my zync on the first ill be app free for at least 6 months. which marks my birthday as well. 

but since all i want is an amex i just need to drop my util went up to 18% this month currently (not reporting) because of best buy and their black friday deals. 

 

p.s. according to my counter im 90 days app free today do i get my spade today or saturday? 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+