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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
toppers555
Posts: 552
Registered: ‎09-28-2012
0

Re: Garden Club Meeting - September 2012

I really do need to enter the garden :smileysad: . 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
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

Re: Garden Club Meeting - September 2012

Get my spade today! :smileyvery-happy:




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - September 2012


ramblin_wreck08 wrote:

Get my spade today! :smileyvery-happy:


Congrats!!!

 

I have 2 weeks before I get mine back :smileymad:

 




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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - September 2012


ramblin_wreck08 wrote:

Get my spade today! :smileyvery-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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
TiggerDat
Posts: 1,083
Registered: ‎10-15-2011
0

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. 



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!

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