Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - September 2012

holy. did you ever get denied? im just thinking of how many inquries you must have. and all 4yrs post bk. Smiley Indifferent

 

well def garden. 

and good luck!

 

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
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - September 2012


abercrombienc77 wrote:

This will be my first post... I would like to share the cards that I have. I have a huge list I've added to my file for the past 2 years. I now need to stay in the Garden for a while I'm buying a house next year so I need to behave myself with all your help. I had a BK 4 years ago.  Smiley Happy

 

Capital One $ 750.00

Capital One $ 1,500

Capital One $750.00

J Crew $ 500

VS $ 500

Buckle $ 500

Buckle $ 500

Chevron $ 450

Shop NBC $ 1500

Care Credit $ 3700

Fire Stone $ 2400

Express $ 650.00

Eddie Bauer $ 1850

The Company Store $ 1850

Undergear $ 1850

Mens Warehouse $ 800

Belks $ 3000

Dillards $ 1400

Pay Pal Smart Connect 4800

Banana Republic $ 1900

BOA Cash Rewards Secured Card $ 3000

Lowes $ 2000

Walmart $ 2100

Amazon $ 1100

American Eagle $ 200

 

The only card I have a balance on is my Rooms To Go card, I pay anything else I charge in full every month if I use them.


Smiley Surprised

 

I thought I had too many cards......nice set you have there!!! I'd say it time to settle in the garden for you!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: Garden Club Meeting - September 2012

Hi all,

 

Just joined as a member to the forum, but I have been lurking for a few days and have found excellent information.  I made the decision that I want to garden to let my credit cards age (my revolving history is short) and my student loan balances shrink.  The goal is to apply in January or February for another rewards card (Discover? Chase?) and in the meantime gain some knowledge about my chances for whatever card I choose.  I may have to leave the garden early for apartment shopping if I am successful in transferring offices at work.  But so far, I have a silver spade, and I hope to get to a gold spade.

 

Thanks to everyone for sharing their experiences!


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Highlighted
Member
Posts: 9
Registered: ‎02-12-2012
0

Re: Garden Club Meeting - September 2012

I started to get declined and then I waited 3 or 4 months and got some more.... I'm to the point where I'm just getting declined so I new I had to stop, It's said to say that on my Transunion report alone I have 45 inq.... I know some will drop off all next year, I've heard that inq don't mean as much after a year is this true.... The only other card I want is a Discover Card but I will have to wait till the whole house thing is taken care of and then maybe I will try, this will also give these open account time to age that's what I need them to do now. It was so nice to see Congratulation You've Been Approved. I can tell you this that GE Capital is a BK friendly bank if you've been out for at least 2.5 years..... WFNB is only good if you have been pre-approved offer at check out, don't apply if you don't have a pre-approval. 


Starting Score: 674
Current Score: 660
Goal Score: 686


Take the FICO Fitness Challenge


Take the FICO Fitness Challenge
Member
Posts: 9
Registered: ‎02-12-2012
0

Re: Garden Club Meeting - September 2012

I started to get declined and then I waited 3 or 4 months and got some more.... I'm to the point where I'm just getting declined so I new I had to stop, It's said to say that on my Transunion report alone I have 45 inq.... I know some will drop off all next year, I've heard that inq don't mean as much after a year is this true.... The only other card I want is a Discover Card but I will have to wait till the whole house thing is taken care of and then maybe I will try, this will also give these open account time to age that's what I need them to do now. It was so nice to seeCongratulation You've Been Approved. I can tell you this that GE Capital is a BK friendly bank if you've been out for at least 2.5 years..... WFNB is only good if you have been pre-approved offer at check out, don't apply if you don't have a pre-approval. 

 

Starting Score: 674
Current Score: 660
Goal Score: 686


Take the FICO Fitness Challenge


Take the FICO Fitness Challenge
Member
Posts: 9
Registered: ‎02-12-2012
0

Re: Garden Club Meeting - September 2012

I fogot that I have 3 more 

 

Chase Health advance $ 20,000

Kohls $ 1,000

Rooms To Go $ 5,500

 

Rooms To Go has a balance as of today of $ 2,800 and Belks $ 320.00 I should have the belk card paid off in a few months if not sooner, I did not have a balance on it until last night had to but new luggage. Smiley Sad


Starting Score: 674
Current Score: 660
Goal Score: 686


Take the FICO Fitness Challenge


Take the FICO Fitness Challenge
Member
Posts: 9
Registered: ‎02-12-2012
0

Re: Garden Club Meeting - September 2012

Welcome


Starting Score: 674
Current Score: 660
Goal Score: 686


Take the FICO Fitness Challenge


Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: Garden Club Meeting - September 2012

@abercrombie: Personally, I think you have WAY too many store cards, but it seems as though you are somehow able to manage all of those and frequently buy new clothes.  I would never be able to keep track of all those cards though.  I have a fancy spreadsheet to manage 11 revolving accounts, only 4 of which I frequently use.  So I effectively have a fancy spreadsheet for the purpose of managing 4 cards.

 

 

 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Garden Club Meeting - September 2012

I think I need to be placed in quarantine before im allowed full access back in garden. App spree was more successful than I could had imagined.

I went 5 for 5 with the following cards:
1. Amex zync - NPSL
2. Amex delta - 2k CL
3. Walmart discover - 1.8k CL
4. Chase amazon visa - 2k CL
5. Chase freedom - 1.5k CL (after recon)

My itch has been cure by that last recon. No more apps for me.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Contributor
Posts: 97
Registered: ‎06-28-2008
0

Re: Garden Club Meeting - September 2012

It's been 3.5 months and I'm still in the garden.  Tried adding my silver spade but it didn't work out. Can anyone tell me what I'm doing wrong? Thanks to all.



Starting Score: ?
Current Score: ?
Goal Score: 720


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.