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Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012

[ Edited ]

so turns out my info was wrong. best buy did pull my report when i apped for the card. but it was on eq... wierd that it didn't show up on any of my fako reports just the amex one. 

 

anyways it fell off yesterday 

no harm no foul

down to 22 across all 3

next one is macy's in december!

 

edit: Just Checked ck and walmart reported my cl. woo util reporting at 4 percent!

means i should get a an update from sw by saturday. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


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

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
RockinRay
Posts: 1,945
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - October 2012

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...

Ray

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

Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012


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!

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


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

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
RockinRay
Posts: 1,945
Registered: ‎08-13-2007
0

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!


Thanks and yes it does! I did try to associate my Southwest Siggy Visa to the account thinking I would pick up the extra miles the easy way, but that did not work. So, I went the PPMC route.

 

At lease now when I ship, I will earn some rewards. Downside is it is one more card to manage - but thats cool...

Ray

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

Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012


RockinRay wrote:
Thanks and yes it does! I did try to associate my Southwest Siggy Visa to the account thinking I would pick up the extra miles the easy way, but that did not work. So, I went the PPMC route.

At lease now when I ship, I will earn some rewards. Downside is it is one more card to manage - but thats cool...


cmon thats what the other half is for =)

 

we have a business customer that brings his change home once a week and his wife rolls it. (he said takes her about a full day to do it) 

imagine rolling coin for 6+ hours a week in one day. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


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

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
RockinRay
Posts: 1,945
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

RockinRay wrote:
Thanks and yes it does! I did try to associate my Southwest Siggy Visa to the account thinking I would pick up the extra miles the easy way, but that did not work. So, I went the PPMC route.

At lease now when I ship, I will earn some rewards. Downside is it is one more card to manage - but thats cool...


cmon thats what the other half is for =)

 

we have a business customer that brings his change home once a week and his wife rolls it. (he said takes her about a full day to do it) 

imagine rolling coin for 6+ hours a week in one day. 


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

Ray

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

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Garden Club Meeting - October 2012

I made it!!  Granted, my score is too low to really have done anything significant with, but I guess that's the point of waiting.  Can't say I'll be making it the next leg to 24 months, since I'm hoping for a new car in the spring, but that's also very dependant on my score by then. Garden on, everyone!

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
RockinRay
Posts: 1,945
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - October 2012


Jutz wrote:

I made it!!  Granted, my score is too low to really have done anything significant with, but I guess that's the point of waiting.  Can't say I'll be making it the next leg to 24 months, since I'm hoping for a new car in the spring, but that's also very dependant on my score by then. Garden on, everyone!


Wow - nice! Congrats and your scores are for sure on the way up.

 

That spade looks very nice in your signature.  :smileyhappy:

Ray

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

Established Contributor
shakalaka
Posts: 556
Registered: ‎09-10-2012
0

Re: Garden Club Meeting - October 2012

Congrats, it sure looks good


Jutz wrote:

I made it!!  Granted, my score is too low to really have done anything significant with, but I guess that's the point of waiting.  Can't say I'll be making it the next leg to 24 months, since I'm hoping for a new car in the spring, but that's also very dependant on my score by then. Garden on, everyone!


 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 770 (8/18) EQ 732 (8/8) EX 748 (12/5)

Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012


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. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


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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