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Garden Club Meeting - September 2012

Valued Contributor

Re: Garden Club Meeting - September 2012


localuser wrote:

creditnocash wrote:

 

kind of concered about a payment i made over the phone yesterday to toyota financial said it would be processed today but still says it hasnt been paid. not due till monday but wanted this taken care of asap. 

 


Just curious whats the reason you pay over the phone? 



its a new loan and wanted to make sure it posted. 

its due the 1st and had my bank to autopay and i just got parronied that it wouldnt go through so i made the phone payment on thurday and still hasnt posted. 

i know there is the 15 day grace period but id rather not take the chances. 

as of yesterday but when i payed it confirmed that they took the payment on thur 9/27/2012 at xxx time. 

so its just a waiting game. 

from now on im just scheduling it to be taken out a week before its due as apposed to the weekend before. bad timing. 

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
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Established Contributor

Re: Garden Club Meeting - September 2012

I really do need to enter the garden Smiley Sad . I doubt I will leave out of low limit credit hell unless I do.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Regular Contributor

Re: Garden Club Meeting - September 2012

Get my spade today! Smiley Very Happy

Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Mega Contributor

Re: Garden Club Meeting - September 2012


ramblin_wreck08 wrote:

Get my spade today! Smiley Very Happy


Congrats!!!

 

I have 2 weeks before I get mine back Smiley Mad

 




EQ FICO 548 3/3/16
Valued Contributor

Re: Garden Club Meeting - September 2012


ramblin_wreck08 wrote:

Get my spade today! Smiley Very Happy


me too. 

holding out till jan for my next app for amex. =)

aaoa will be around idk because i dont know(should be right over a year)  how installment loans and etc effect it. but best bet is next app jan 14 for an amex. 

im happy with my cards atm. 

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
Valued Contributor

Re: Garden Club Meeting - September 2012

OMG those spades in-your-face big.  Have some modesty.

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

Re: Garden Club Meeting - September 2012

sorry thats how tini made my seedling not get cut off. 

i dont know how to change it back to normal size. 

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
Valued Contributor

Re: Garden Club Meeting - September 2012

It has been 3 months since I started gardening.

 

My accounts are still fine.  My utilization is at 20% which is giving me a good score.  I have increased the limit on my Walmart card from $500 to $1000.  I have also increased the limit on my Belks card from $200 to $800.  I find that one to be amusing since I have never actually used the card. 

 

I have had at least 4 inquiries drop from my reports. 

 

I am not even itching for new cards, although I would like to have a Target card one day and a good rewards card with airmiles, but I can happily wait for it.

 

Next month I can get an increase on my Marathon Visa card and maybe my Household card.  I think have to wait until January for an increase on Barclays Reward card.  However I am very content with what I have.

 

Good luck to other fellow gardeners. 

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.