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Established Contributor
Posts: 731
Registered: ‎06-06-2012
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Re: Garden Club Meeting - October 2012


gijoe4500 wrote:

MyCreditSucksTheMost wrote:

After only 50 days with my walmart card they doubled my limit to $1000. I'm so excited, this will cure my app itch for awhile.

 

So, I will continue to garden, and grow...


Hearing stuff like that irks me.  I've had my walmart card, with flawless history, for like 4 or 5 years.  And I'm only at a $700 limit.  They shoot me down for CLIs, even though I have another GE card at $2000.  I need to call their underwriting, and see what the deal is.  My TransUnion FICO is around 670.


I'm sure they will hand out CLIs on recon fairly liberally around christmas season esp if they have 0% APR attached to it. Stores like walmart, amazon, other retail store cards.

 

 

 

Regular Contributor
Posts: 233
Registered: ‎05-12-2010
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Re: Garden Club Meeting - October 2012


compassion101 wrote:

I'm sure they will hand out CLIs on recon fairly liberally around christmas season esp if they have 0% APR attached to it. Stores like walmart, amazon, other retail store cards.

 

 

 


I'm hoping so!  It isn't really going to affect me any if i'm denied, but it would still be nice to get some higher limits.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - October 2012

I'm planning on using my chase card for Christmas... or maybe amex who knows!

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!



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Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
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Re: Garden Club Meeting - October 2012


gijoe4500 wrote:

compassion101 wrote:

I'm sure they will hand out CLIs on recon fairly liberally around christmas season esp if they have 0% APR attached to it. Stores like walmart, amazon, other retail store cards.

 

 

 


I'm hoping so!  It isn't really going to affect me any if i'm denied, but it would still be nice to get some higher limits.


id just call the backdoor number and ask for somebody in underwriting. 

for a card for 4 to 5 years. if it didnt go above 1k after 2 years id close it. 

(thinking about doing it at kohls) 

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
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Garden Club Meeting - October 2012

Although a lurker for years, I am pretty new here. My last app was in february, so going 8 months strong. Love the idea of gardening! Smiley Very Happy I am working on lowering my utilization as that is my biggest negative right now while resisiting the urge to app for a couple cards I have wanted but been denied in the past. Glad to be here!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 608
Registered: ‎10-11-2012
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Re: Garden Club Meeting - October 2012

I have entered into the Garden.  Time for me to sit back and relax and watch my garden grow!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






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Regular Contributor
Posts: 233
Registered: ‎05-12-2010
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Re: Garden Club Meeting - October 2012


creditnocash wrote:

id just call the backdoor number and ask for somebody in underwriting. 

for a card for 4 to 5 years. if it didnt go above 1k after 2 years id close it. 

(thinking about doing it at kohls) 


Eh.  I'll just keep it sock-drawered in my safe, with or without the increase.  No reason to close it, if it isn't costing me anything.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


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Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012


gijoe4500 wrote:

creditnocash wrote:

id just call the backdoor number and ask for somebody in underwriting. 

for a card for 4 to 5 years. if it didnt go above 1k after 2 years id close it. 

(thinking about doing it at kohls) 


Eh.  I'll just keep it sock-drawered in my safe, with or without the increase.  No reason to close it, if it isn't costing me anything.


ive been doing that. ive used it once or twice since july. and pif. 

 

but its an eysore to see a 400 limit when all others are at least double or more.

but as ive posted before my macys started as a 100 and is now a 3.5k so time and patience! 

plust the coupons arent that bad. 

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
Regular Contributor
Posts: 233
Registered: ‎05-12-2010
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

 

ive been doing that. ive used it once or twice since july. and pif. 

 

but its an eysore to see a 400 limit when all others are at least double or more.

but as ive posted before my macys started as a 100 and is now a 3.5k so time and patience! 

plust the coupons arent that bad. 


I honestly try to avoid shopping at Wal-Mart these days.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


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Established Member
Posts: 17
Registered: ‎08-25-2012
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Re: Garden Club Meeting - October 2012

Picked up my official Bronze spade!  Aiming for no INQ until 7/2014.  

 

Wish me luck.  I need to just stick to this thread and ignore the rest of the credit cards forum, for now.  You people here are a great support.  Thank you.


Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
Current Score: 690 (12/29/12 TU), 650 (12/16/12 EQ)
Goal Score: 700+ by 7/2014


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