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Mega Contributor
Posts: 17,185
Registered: ‎08-08-2011
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Re: Garden Club Meeting - November 2013

MJ will you lose your spade when you get the Fico credit cards and expense account ? Smiley Embarassed

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10.9k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Posts: 9,202
Registered: ‎08-12-2013
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Re: Garden Club Meeting - November 2013

Wow...this garden is growing! 


It's a new month, so I always like to state my credit goals and what I hope to accomplish in the Garden:


1. Pay off Merrick card; may possibly use for small recurring payments & PIF to keep CC active

2. Pay off and close Credit One CC by mid-March

3. Pay off/pay down all TLs

3. Request CLIs for Amazon in a few days, Wally in December, JCP in Feb

3. GW letters to LVNV until they budge!

Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 8/15/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Macy's Store $20000 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | Citi DC $12600 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 4/5/16
Frequent Contributor
Posts: 460
Registered: ‎09-08-2010
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Re: Garden Club Meeting - November 2013

Still here... I can't believe its November already!  so with the nip in the air, and leaves all over my lawn, I'll raise a glass of pepperming (schnapps) hot cocoa to one and all...  (oh and the big pot on the table over there?  yup... enough spiked cocoa for us all...)

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Established Contributor
Posts: 840
Registered: ‎09-16-2013
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Re: Garden Club Meeting - November 2013

I've been gardening for almost a month. My sis added me to her cap1 and now my credit history increase to 7 years haha, AAofA 2 years. I hope Amex shows me some love when I request CLi in exactly 23days from now. 

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Garden Club Meeting - November 2013

Established Contributor
Posts: 990
Registered: ‎03-09-2013
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Re: Garden Club Meeting - November 2013

Hi all!! Smiley Happy
 photo IT_REDDAISY_zps2c12a8e3.gif
Established Contributor
Posts: 574
Registered: ‎06-04-2012
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Re: Garden Club Meeting - November 2013

Yup... another month in the garden. All cards will report $0 balance this month 'cept Discover which is still at 0% intro rate. Overall UTIL will be around 25% so any/all apps will remain on ice until I can drag that UTIL down a bit more.



EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Senior Contributor
Posts: 7,735
Registered: ‎01-05-2013
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Re: Garden Club Meeting - November 2013

Irisa wrote:

Hello gardeners,


Checking in for November. October was not a good month. I was ready for it to be over.. Though I'm not sure how much better November will be, I have a birthday coming up in a couple of weeks Smiley Indifferent  Feeling old so I may have to skip it lol.

The good news? My credit scores should recover this month when balances report 0 again. Plus, I just got another CLI from Capital one!


Hope everyone is well. Happy gardening!  & Stay strong Smiley Happy

Hello My Buddy,


Sorry October wan't good for you.  Hope November is better!


October was up and down for me and November is starting not so great, but I'm determined (no pun intended) to make the best of it. 


Hope to see you at the social tonight.

Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
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Re: Garden Club Meeting - November 2013

Hey y'all happy Friday!! Gotta luv the weekendSmiley Happy


Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
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Re: Garden Club Meeting - November 2013

Ravensfan2001 wrote:

myjourney wrote:

Ravensfan2001 wrote:

Checking in! So glad to be here for the next 2 years!


@Lexie - Congratulations, Moderator!

Check in complete 

Thanks, myjourney. Don't know where I've been, but congrats on the upgrade, Community Leader!

Thank you 

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