Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
Today was 6 months from my previous CLI on 2 cards so I went online and requested another round. I can confirm that AMEX Canada policy is that the CLI can be up to 50% every 6 months. Between the 2 cards, I received an additional $8k of CL so I am at $79k total now on 5 cards. 2 Cards are reporting balances, <8% total utilization and dropping each month. I am looking to be debt free on or about April Fool's Day. 
I just sitting back and chillin' until next summer/fall.
Pass me another beer and strudel... I'll be silver spade in a few days.
tonyaether wrote:
Well I have officially earned my gold spade! Woo Hoo! Trying to keep everything clear until next year. I may do a re-fi on the house but not sure. Whatever the case might be gardening has done wonders for my credit profile and I am thrilled! Happy gardening everyone!
Congratulations! Looking good!!! 
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
armbenderc wrote:I made it!
Over 1 month of gardening LOL. It's really hard.
Congratulations! Please feel free to pick up your bronze spade from the link on the opening post of this thread.
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
tonyaether wrote:
Thank you creditnocash! I have come a ways in a year. This was my line-up last year around this time: Citi - $5000 balance C/L: $9600 limit Chase Freedom - 0 balance C/L:$3000 Target Visa- 0 balance C/L: $1500.00 Care Credit - 0 balance C/L:$5400 First Premier - 0 balance C/L: $1100 HHB MC- 0 balance C/L: $800 HHB Premier Visa - 0 balance C/L:$400 Applied Bank - 0 balance C/L: $2200.00 Scores around that time FICO: 732 (EQ), 735 (TU) (EX unknown) As you can see I had some of the worst cards for annual fees known to man. Then I found this club. I listened and learned. I closed the low limit cards, gained an Amex BCP in 12/2011, Barclays 03/2012, and Walmart Discover 04/2012. My current scores are in my siggy. Tinu really helps so many with this club. I haven't quite reached my goal but I have gotten to a comfortable spot. I still have an old 30 day late that I can't get removed. But even with a derog, I have still managed to keep moving up. I really have to give thanks to everyone here and a special thanks to Tinu for creating this post.
That is so sweet of you, thank you so much for your kind words!
(ETA) I love hearing other peoples' success stories. It's wonderful to have a bunch of people to hang out with on these forums who can help cheer each other on! You've done a fine job and I wish you and everyone else continued success!
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
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