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Valued Contributor
Posts: 1,949
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

RockinRay wrote:

 

What is my second choice! :smileyhappy:  At lease we do not have that to contend with.


i just meant your other half is there to manage all the cc's... why do you have to worry about it. 

 

and as for Jutz. congrats. 

there is really no NEED to app but since we can we do. like i stated ive been app free for 16+ years before my first app and approval. whats 2? 

since ive joined this community i apped for way to much in my opinion but is it what is. inq will be erased in 2 years anyways. 


I do a much better job!  :smileyvery-happy:

 

Ray

** Every Card has a Job, and Every Card does its Job **

Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: Garden Club Meeting - October 2012

I came here as an intervention...

 

Got a pre-app for the CITI Diamond........must not app......must not app

 

I




Valued Contributor
Posts: 2,646
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - October 2012

CITI will deny you and you know it.

 

Drop the pre approval, and step away from the keyboard....  :smileytongue:

Current Scores: EX 706 (FCR) TU08: 660 Wally. 01/03/2015.
Garden? What is a Garden? :smileytongue:
Zero percent financing is where the devil lives...
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - October 2012


creditnocash wrote:

RockinRay wrote:

I stepped out yesterday to pick up a PayPal Extras Mastercard. We run a side line business / ebay and I can pay for my shipping / get rewards by using this card.

 

CL aproved, $5k.

 

Did I "really" need this card? No, but I justified the app realizing that this year I have spend about $2k so far with PayPal shipping and have missed out on any rewards so I felt it was worth while to step out and pick up the card.

 

Now when I ship our products, I will get points that I can convert to cash back...


Congrats! that card does its job!


 

+1

 


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
Frequent Contributor
Posts: 411
Registered: ‎01-14-2009
0

Re: Garden Club Meeting - October 2012

2012 has been app free for me, so far anyway.  


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
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Re: Garden Club Meeting - October 2012


pazuzu wrote:

2012 has been app free for me, so far anyway.  


only 79more days left. can you make it? do you feel in control punk? 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
Posts: 190
Registered: ‎10-22-2010
0

Re: Garden Club Meeting - October 2012

Came out of the garden on Friday. Applied for the AA Citi Card (two browser trick) and got the Aadvantage Visa & AmEx with only one hard pull, $8,500 limit on each with 15.24% APR. Will get 100,000 AA miles and $100 statement credit on each card when used onboard AA (which works since I am flying them in December). Also glad I pulled the trigger on the higher miles as the links I used to apply are no longer active. Back into the garden I go.

 

What's In My Wallet:American Express Starwood Preferred Guest Business Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Starwood Preferred Guest Card, Chase Sapphire Preferred, Citi AA AmEx, Chase United Mileage Plus Explorer Card, Barclays US Air, Discover More, Bank of America Accelerated Rewards AmEx, Citi Dividend Platinum Select, LEM FCU Visa, SME FCU Visa
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Garden Club Meeting - October 2012

Garden check in!  I'm still here at 47 days app free.

I've been busy with school so that keeps my mind off applying!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Regular Contributor
Posts: 181
Registered: ‎08-09-2012
0

Re: Garden Club Meeting - October 2012

40 days app free. My focus on the holiday season and saving up to buy a house is making me not only app free, but itch free as well.

Can't wait for my CR to update an see what this stretch does to my score. Hoping for a point or two.



What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012

[ Edited ]

ramblin_wreck08 wrote:
40 days app free. My focus on the holiday season and saving up to buy a house is making me not only app free, but itch free as well.

Can't wait for my CR to update an see what this stretch does to my score. Hoping for a point or two.

40 days and 40 nights

we have the same last app date :smileyvery-happy:  

what caused the jump in your score from aug to sep? 

 

Hopefully by end of December im hoping my score hits 700+ again!

Especially since my report is so diversified with the installment loan they said I needed. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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