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Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
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Re: Garden Club Meeting - September 2013


DigitalArk wrote:

09Lexie wrote:
I made it! I am not even home yet. I wanted to check in for tonight's social.



You have work hard all year on your credit goals what accomplishments have achieved thus far?

I'm am proud of many things (all owed to this forum) including recognizing when to stop applying for credit. I've refinanced my car from 8% to 1.99%; added $65,000 in credit and my credit scores are all in the low to mid 700's.
I'm proud to be able to help others reach their goals. Whether it be family, friends or myFICO family.

Thanks myjourney for a wonderful spread. Too beat to eat but it looks great!

Congrats! Thank you for your help to me. You are one of the key ppl in this forum who are making it a wonderful community! myjourney is another awesome one. Smiley Wink


No thanks needed passing forward what was given to me (help)Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
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Re: Garden Club Meeting - September 2013


FocusedAndDetermined wrote:

Good Morning All,

 

I am 61 days app free!  Next month the silverSmiley Happy

 

Much to do before I fetch my car.  I will pop in later.  Everyone have a fabulous day!


Happy Saturday 

Bravo for keeping the social going last night

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - September 2013


navyox wrote:

Getting settled in to the Garden.   Have a few weeds to pull (baddies needing follow-up GW letters) but should be set to watch scores grow.   I had stellar credit when I was in the service and wracked up about 12k in debt when i got out and went to school.   Last year at this time I was sitting at 51% utilization and scores probably around 640.   Now I'm at around 5%.  Vantage score has gone from 726 to 813 since May.


Welcome to the garden

The garden is a great place to work on your CR file 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Senior Contributor
Posts: 4,324
Registered: ‎07-26-2008
0

Re: Garden Club Meeting - September 2013


myjourney wrote:

Hi GC family,

I'm back.......

Hope everyone has a wonderful Saturday

Walmart fico up 12 points Wooo Hooo

CS FAKO dropped 4 points

Happily in the garden and going for the gold   


Hi there. Hope you're feeling better Smiley Happy

Current cards: CSP - Freedom - Discover It - Amex BCP - BoA BBR - Capital One QS and QS1 - Citi TY
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - September 2013


RushXTC wrote:

Just got a preapproval offer from the NRA.

 

The NRA Visa looks super patriotic, Offered 18 months no interest on balance transfers and 12% APR when it's over.....

 

was tempted for about a second or two, Ripped it right up.

 

Not letting temptation ruin my credit! >=)


Bravo on staying garden strong

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - September 2013


09Lexie wrote:
@djc1puno

My vacation was wonderful! Thanks for asking. Smiley Tongue

Glad to hear! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Garden Club Meeting - September 2013

I got a preselected offer from BofA for the cash rewards card and I finally got prequalified offers at chase website for the Slate/Freedom! still #GARDENSTRONG Smiley Tongue


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - September 2013


eviLution wrote:

I got a preselected offer from BofA for the cash rewards card and I finally got prequalified offers at chase website for the Slate/Freedom! still #GARDENSTRONG Smiley Tongue


Looks like things are heading in the right direction for you. I like getting offers even if I don't intend to bite, because it indicates that creditors find me at least potentially desireable. It's nice to be courted. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - September 2013

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - September 2013

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