Garden Club Meeting - September 2012

[creditnocash]

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

well def garden. 

and good luck!

[LS2982]

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@Anonymous 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.  

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.

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

[SnackTrader]

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!

[Anonymous]

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. 

[Anonymous]

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. 

[Anonymous]

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. 

[Anonymous]

Welcome

[DaveSignal]

@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.

[Duncanrr]

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.

[qtcbcute]

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.