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Garden Club Meeting - November 2012

Valued Contributor

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 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 251 of 287
Regular Contributor

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!

Message 252 of 287
Moderator Emeritus

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
Message 253 of 287
Regular Contributor

Re: Garden Club Meeting - November 2012

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



Message 254 of 287
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 255 of 287
Frequent Contributor

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
Message 256 of 287
New Contributor

Re: Garden Club Meeting - November 2012

You can do it! Good luck Smiley Happy

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!



Message 257 of 287
Regular Contributor

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!

Message 258 of 287
Senior Contributor

Re: Garden Club Meeting - November 2012

I'm still here...but 01 January is approaching...  Smiley Surprised



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 259 of 287
Valued Contributor

Re: Garden Club Meeting - November 2012


tcbofade wrote:

I'm still here...but 01 January is approaching...  Smiley Surprised


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 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
Message 260 of 287