cancel
Showing results for 
Search instead for 
Did you mean: 

Garden Club Meeting - October 2012

Valued Contributor

Re: Garden Club Meeting - October 2012

Left the garden early this morning for an app...hence my signature. LMAO. I don't feel bad about it. Probably b/c I really wanted the card...and it was approved with a generous credit line! Haha!

As of 2017, rebuilding...
Message 151 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

Been getting the itch lately... almost gave in to a CLI request that I don't need! but holding strong!

 

Waiting to see what happens to zync holders if we'll have to apply for something else. If this is the case, BCE/BCP in Jan if I want a revolver, or a different charge product.

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Message 152 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Still here, impatiently waiting for my scores to grow...

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 153 of 338
Highlighted
Valued Contributor

Re: Garden Club Meeting - October 2012

My scores are dropping slightly due to BoA reporting out-of-cycle, causing my util to jump a bit since I have been buying some expensive stuff recently to furnish my new apartment.  Oh well.  I don't need perfect scores at the moment as I don't have any new credit lines I am planning on opening anytime soon.  I am just sitting here in my garden, where I have been for the last 78 days.  This bronze spade is becoming worn down.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 154 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Jumping in the garden.  Got my CSP (yay) and tried for a AMEX BCP (failed).  Done for quite some time.  Just SP CLI for now.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 155 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

I'm back in the garden after purchasing a new car this weekend. Had been gardening since February. Now that I got approved on an auto loan at 4.49% with my low score I want to app like crazy to see what else I could get, but I must garden as I'm convinced the auto loan gods were feeling mighty generous when they approved me.

Starting Score: EX: 560 on 11/1/11
Current Score: EX: 651 on 1/31/16
Goal Score: 700

Take the FICO Fitness Challenge
Message 156 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster Smiley Sad

 

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm Smiley Very Happy The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.

Starting Score (2016): EX: 748; EQ 737; TU 761

2014 Current Score: Discover FICO08 797 (7/16); AMEX FICO 776 (8/16); PenFed FICO 766 (5/16).


Goal Score: All 800+ Available Credit: $100K+
Utilization:
23%

Gardening Since:
September 2016

Message 157 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012


DesertLife wrote:

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster Smiley Sad

 

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm Smiley Very Happy The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.


 

Congrats on your shiny, new spade, as well as your wonderful CLI!

 

Bananaweizen... hmm... this is the first time that I've heard of it. Sounds interesting.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 158 of 338
New Contributor

Re: Garden Club Meeting - October 2012

Posted up, silver spade on deck. Just biding my time...with this drink in my hand. Smiley Happy

AMEX BCE $15,500 Citi Double Cash $8,700 USAA $6,000
Chase Freedom $2,500 Discover It $10,600
M & T Visa $2,500 CU Visa $10,000, BOAmericard $7,500
Message 159 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012

can we pretend we're in the movie click. and im fast forwarding until all my inq fall of my report! ill only be 23 and 2 months. 

that would be awesome. 

 

i have a feeling ill be in 740/750 range when they all fall off!

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 160 of 338