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Garden Club Meeting - September 2014

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RushXTC
Established Contributor

Re: Garden Club Meeting - September 2014


@Anonymous wrote:

@RushXTC wrote:

Although my overall UTL raised another 1%, One of my inquiries dropped, That means 6 down, 24 more to go... =P


im looking at your sig and see that Citi Simplicity and they gave you only $1,000 !? Smiley Surprisedisn't that card to consoliate your credit card debt ? i was thinking getting it but man i owe more than $1,000 on other cards that i would like to have 0% APR much longer for Smiley Wink

 

 

 

 

 

 

 

 

 

Average American FICO Score Hits All -Time HIGH

http://ficoforums.myfico.com/t5/Credit-in-the-News/Average-American-FICO-Score-Hits-All-Time-HIGH/td-p/3439725


 

 

Yeah, I was only approved for $1,000 and they won't budge on the CLI.

 

My mom was approved for $8,500 and my dad for $10,000...

Message 771 of 1,708
Closingracer99
Valued Contributor

Re: Garden Club Meeting - September 2014

Just got my CSP spending bonus of 40,000 UR points and tempting to use it on a Flight to LA for free and just need to spend on Hotel rooms for a week lol. Womdering is it even worth spending $2,000 on my Marriott card to get 70,000 Points i could care less about lol

 

Been Tempted to app for the Citi Double cash card or whatever it is called and the Hilton CC with no AF Smiley Sad


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 772 of 1,708
Closingracer99
Valued Contributor

Re: Garden Club Meeting - September 2014


@RushXTC wrote:

@Anonymous wrote:

@RushXTC wrote:

Although my overall UTL raised another 1%, One of my inquiries dropped, That means 6 down, 24 more to go... =P


im looking at your sig and see that Citi Simplicity and they gave you only $1,000 !? Smiley Surprisedisn't that card to consoliate your credit card debt ? i was thinking getting it but man i owe more than $1,000 on other cards that i would like to have 0% APR much longer for Smiley Wink

 

 

 

 

 

 

 

 

 

Average American FICO Score Hits All -Time HIGH

http://ficoforums.myfico.com/t5/Credit-in-the-News/Average-American-FICO-Score-Hits-All-Time-HIGH/td-p/3439725


 

 

Yeah, I was only approved for $1,000 and they won't budge on the CLI.

 

My mom was approved for $8,500 and my dad for $10,000...


I was approved for $4,000 on my Citi TYP and then after apping apped for the Simplicity and got $2,000


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 773 of 1,708
mongstradamus
Super Contributor

Re: Garden Club Meeting - September 2014


@Closingracer99 wrote:

Just got my CSP spending bonus of 40,000 UR points and tempting to use it on a Flight to LA for free and just need to spend on Hotel rooms for a week lol. Womdering is it even worth spending $2,000 on my Marriott card to get 70,000 Points i could care less about lol

 

Been Tempted to app for the Citi Double cash card or whatever it is called and the Hilton CC with no AF Smiley Sad


My suggestion is no one the citi Hilton card,but I am bit meh on all hotel cards in general. You going to fly business rt to west coast? Or just economy ? Which airline you wanting to take? As far as hotel goes what kind d do you want to stay at



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 774 of 1,708
tcbofade
Super Contributor

Re: Garden Club Meeting - September 2014


@BootStraps wrote:

@mongstradamus wrote:

@BootStraps wrote:

Good Morning Gardeners! Smiley Happy

 

My seedling grew into a spade a couple of days ago and I didn't even notice. Smiley Happy


Good evening to you I am in forced gardening mode haha. I can't apply for anything even if I wanted to app!!!


Sometimes that's a GOOD thing.


Sometimes it sucks big hairy rocks too.  Smiley Tongue

 

Still locked in the garden looking for holes in the fence...

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 775 of 1,708
mongstradamus
Super Contributor

Re: Garden Club Meeting - September 2014


@tcbofade wrote:

@BootStraps wrote:

@mongstradamus wrote:

@BootStraps wrote:

Good Morning Gardeners! Smiley Happy

 

My seedling grew into a spade a couple of days ago and I didn't even notice. Smiley Happy


Good evening to you I am in forced gardening mode haha. I can't apply for anything even if I wanted to app!!!


Sometimes that's a GOOD thing.


Sometimes it sucks big hairy rocks too.  Smiley Tongue

 

Still locked in the garden looking for holes in the fence...


I a  in forced garden mode since I am overseas and I think apping for anything would cause major complications.if I wanted to app for something that is. I am Stoll curious if my ex fico went up due to aaoa,or it was really caused by increased utilization

 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 776 of 1,708
tcbofade
Super Contributor

Re: Garden Club Meeting - September 2014

If increasing util would raise FICO scores, I'd be in the 800's....

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 777 of 1,708
mongstradamus
Super Contributor

Re: Garden Club Meeting - September 2014


@tcbofade wrote:

If increasing util would raise FICO scores, I'd be in the 800's....


My CSP reported this week ,and my utilization n that particular card went from 6-12% and my score went up about ten points



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 778 of 1,708
tcbofade
Super Contributor

Re: Garden Club Meeting - September 2014

take it up to 21% and let's see what happens...

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 779 of 1,708
Closingracer99
Valued Contributor

Re: Garden Club Meeting - September 2014


@mongstradamus wrote:

@Closingracer99 wrote:

Just got my CSP spending bonus of 40,000 UR points and tempting to use it on a Flight to LA for free and just need to spend on Hotel rooms for a week lol. Womdering is it even worth spending $2,000 on my Marriott card to get 70,000 Points i could care less about lol

 

Been Tempted to app for the Citi Double cash card or whatever it is called and the Hilton CC with no AF Smiley Sad


My suggestion is no one the citi Hilton card,but I am bit meh on all hotel cards in general. You going to fly business rt to west coast? Or just economy ? Which airline you wanting to take? As far as hotel goes what kind d do you want to stay at


Economy ... Save the points lol. on Chase it costs around 30,000 points for round trip in October.   I have done no research and just did this on a Whim looking at it on Chase travel through the UR portal. Havent spent any points yet and have 43,800 points. I should of saved that 20,000 from the freedom lol.   As far as hotels Go i still have the free Night with my Marriott card so probably use that 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 780 of 1,708
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