11-01-2013 05:16 AM
Hi everyone. I'm checking in, glad to be here :-)
11-01-2013 05:47 AM
Welcome MC9199 kick back and let your garden grow!
11-01-2013 05:51 AM
Two months in the garden now. I am perfectly content to water my plants and watch them grow, because I don't really need any new credit right now. The only time soon I might use it is once my new Comenity Total Rewards card reaches 6 mos., then I might go for a CLI. Anybody know if they are a soft?
11-01-2013 05:56 AM
Goooooooooood morning boys and girls. Happy November, and congrats to Lexie again! Woohoo!
I just can't seem to shake the app bug, but with DW behaving herself while in the home buying process, my credit lines are taking a bit of a hit... (util is going to go UP not down this month. )
Day 2 app free.
11-01-2013 06:02 AM
Lithium78 I've heard don't even bother till 9 months after that every 3 months and a soft pull. As always YMMV.
11-01-2013 06:07 AM - edited 11-01-2013 06:07 AM
Checking in! Still waiting on our refinance to close before apping for reward cards. Looking forward to a bronze spade on the 24th though!
11-01-2013 06:54 AM
11-01-2013 07:06 AM
Im here ugh back down to a friggin seedling... took a HP from DCU not knowing it was one I thought it was a SP like SDFCU. Seems like I can never get passed the bronze spade Oh well at least I did manage to get 2 new cards. J Crew and Ann Talyor via shopping cart trick so I guess that makes up for it a little... Staying put until Im old enough to retire which is about 30 years from now
11-01-2013 07:09 AM
I also joined SDFCU - what a PIA process! No card app, yet. Waiting for next year. Just have a savings account right now. Thinking of joining Alliant also for the interest checking account. I realize this may reset the clock, but it will be better now than later. I'm becoming pro-credit union, I guess.
Credit unions have been good to me this year. I don't have a lot of choices, having BK'd most of the major banks.
4 INQs in 2013 yielded $27,000 in credit, there's a metric for you numbers geeks!
2 INQs were for CUs which approved (Alliant & OCCU Duck); denied by Nordstrom and a Barclay CLI. Barclay was probably mad at me for getting CU cards.
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