11-02-2012 02:15 PM - edited 11-02-2012 02:58 PM
I brought my util down from 80% to about 30% last month and I am patiently waiting for the new balances to report.
11-02-2012 02:57 PM
Epcot: thank you!
I am working on my util as well. This four point increase is the result of me paying off half of my lowest balance Credit card. I hope to have everything paid down by my birthday in July. The gardening will help some as well!!!
Best wishes for you and your journey!
11-02-2012 04:50 PM - edited 11-08-2012 08:26 PM
Gardening for next 6 months. Still waiting for n-rewards card to hit the credit reports. Hoping for a nice score boost.
Last App: November 7, 2012
11-02-2012 05:29 PM
My last app was the 24th, then in today's mail I was approved for an Associated Bank Select Rewards Platinum with a $1000 CL. Guess I can cultivate on this one too!
11-02-2012 07:53 PM
I've been planning some airline travel, and have been itching to app for a few airline cards. Delta Skymiles and Alaska Airlines. It's tempting, but I haven't given in and I've alread paid and made my upcoming reservations so I think I'm clear now for a while. Also, I've been thinking about refi'ing my mortgage from 4.75% down to something like 3% now that I have an account and card with PenFed. Cash out of pocket now will pay off a long time in the future. I would want to refi to a 30 year mortgage rather than a 15 so I'm not locked into extra money out each month but can pay extra as I'm able. It's a tough decision, but I think refinancing would be worth stepping out of the garden for....... I hope it's not a slippery slope on the other side of that garden
11-02-2012 08:07 PM
Entering the garden. Date of last app: 10/16/12, but capital one pulled a hard on 10/25 after the rep was specifically asked and said no, it's a soft For a CLI. Arguing with them now to get it removed.
i would love to stay for two years or more...but it ain't happening maybe 6 months once we get our mortgage crap straight. We were approved, then dh lost his job due to someone elses screw up, and found a new one. Pays less and I could've NOT told them..but I figured honesty was best!
11-03-2012 03:33 AM
11-03-2012 06:57 AM
Just checking in. I've been app free for 2 months with 10 months to go.
11-03-2012 12:47 PM - edited 11-03-2012 12:48 PM
Ahhh the iPad mini!
The perfect birthday present for junior!
'Click here for credit application'
Resisted the urge. Set up a payment to AMEX prepaid and will get product protection and essentially pay cash for it in two weeks. Will still get the iPad mini almost 2 weeks before his birthday.
God save the spade!
11-03-2012 01:49 PM