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Valued Contributor
RockinRay
Posts: 1,763
Registered: ‎08-13-2007

Re: Garden Club Meeting - October 2012

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‎10-08-2012 07:12 AM

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 **

Message 141 of 338 (356 Views)
 
Super Contributor
CS800
Posts: 6,116
Registered: ‎04-07-2008

Re: Garden Club Meeting - October 2012

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‎10-08-2012 07:40 AM

I came here as an intervention...

 

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

 

I





Message 142 of 338 (348 Views)
 
Valued Contributor
tcbofade
Posts: 1,063
Registered: ‎09-26-2011

Re: Garden Club Meeting - October 2012

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‎10-08-2012 08:52 AM

CITI will deny you and you know it.

 

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



Last app 08/08/2012. App free in 2013!

Current Scores: EX 670 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:

Zero percent financing is where the devil lives...

Message 143 of 338 (334 Views)
 
Moderator
Moderator
tinuviel
Posts: 3,900
Registered: ‎11-02-2010

Re: Garden Club Meeting - October 2012

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‎10-08-2012 09:00 AM

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

 



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Message 144 of 338 (326 Views)
 
Frequent Contributor
pazuzu
Posts: 282
Registered: ‎01-14-2009

Re: Garden Club Meeting - October 2012

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‎10-08-2012 10:50 AM

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


In app detox since 30.10.2011

No apps until 4Q 2014

FICO EQ 722***CK 706***CS 741***QUIZZLE 731***VANTAGESCORE 756***GO SCORE 765***




Message 145 of 338 (312 Views)
 
Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012

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‎10-08-2012 04:20 PM

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 146 of 338 (268 Views)
 
Regular Contributor
Smerri1029
Posts: 188
Registered: ‎10-22-2010

Re: Garden Club Meeting - October 2012

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‎10-09-2012 05:44 AM

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 Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Blue, 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
Message 147 of 338 (236 Views)
 
Established Contributor
MsLadyRover
Posts: 756
Registered: ‎03-14-2012

Re: Garden Club Meeting - October 2012

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‎10-09-2012 06:05 AM

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 688 (myFICO) EX 679 (Credit Sesame) EQ 660 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 148 of 338 (233 Views)
 
Regular Contributor
ramblin_wreck08
Posts: 156
Registered: ‎08-09-2012

Re: Garden Club Meeting - October 2012

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‎10-09-2012 08:29 AM

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)
$5.5k (Visa Sig + EMV)
$4,950

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Equifax Risk Score: 706 (7/22/12)
Experian Plus: 724 (8/13/12)
Message 149 of 338 (217 Views)
 
Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012

[ Edited ]
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‎10-09-2012 09:38 AM - edited ‎10-09-2012 09:39 AM

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 150 of 338 (205 Views)
 

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