@starry1 wrote:
Thanks all. I'm just waiting for my ride to come take me out to the Brazilian steakhouse.
Good eaten there...
Have fun and have one on me
@Irisa wrote:So my question are high limit worth it without a signing bonus, great rewards or canceling you original plan to rush in and app?
Like with any other app, I think it comes down to personal goals and preferences. To me personally, it is not worth it. While a high CL is nice, my utilization is low enough to concentrate on getting cards that give me rewards for my spending. If I had a card with a $20K CL, but no rewards, chances are I will never use. However, that card might be worth it to someone else. Having said that, I don't think it's ever a good idea to rush into anything.
At my time in the game (I mean garden), I won't be getting those huge offer cards for awhile. But I will spend enough to get close to the citi double cash if I could qualify for it.
No, it's not enough for me to drop my plans, their underwriting is starting to tighten anyway. BUT, with my current lines of credit and utilization, I would like to app for this on my next app break. I'm not really looking for over $5k, and when renewal time comes for my fncc legacy, this would make a nice replacement. I always research the cards first anyways, don't need to jump out of garden until scores optimized anyway.
@Irisa wrote:So my question are high limit worth it without a signing bonus, great rewards or canceling you original plan to rush in and app?
Like with any other app, I think it comes down to personal goals and preferences. To me personally, it is not worth it. While a high CL is nice, my utilization is low enough to concentrate on getting cards that give me rewards for my spending. If I had a card with a $20K CL, but no rewards, chances are I will never use. However, that card might be worth it to someone else. Having said that, I don't think it's ever a good idea to rush into anything.
Personally, it isnt worth it to me. A card that I'm aware I'll never use serves no purpose to me even with a high CL. My spending habits, income and lifestyle neither warrant the necessity or desire for high CL's and I have no issues keeping my utilization low so dont need the assistance there. I'll be happy as a clam at high tide if all six (maybe seven.....might want the Jetblue card eventually) of my wish cards end up with limits between 1k - 5k. 
Taking another hit to my already short AAoA for a card I dont need would definitely not be wise. But to each their own, I respect that everyones journey here is different.
@Imperfectfuture wrote:
@Irisa wrote:So my question are high limit worth it without a signing bonus, great rewards or canceling you original plan to rush in and app?
Like with any other app, I think it comes down to personal goals and preferences. To me personally, it is not worth it. While a high CL is nice, my utilization is low enough to concentrate on getting cards that give me rewards for my spending. If I had a card with a $20K CL, but no rewards, chances are I will never use. However, that card might be worth it to someone else. Having said that, I don't think it's ever a good idea to rush into anything.
At my time in the game (I mean garden), I won't be getting those huge offer cards for awhile. But I will spend enough to get close to the citi double cash if I could qualify for it.
No, it's not enough for me to drop my plans, their underwriting is starting to tighten anyway. BUT, with my current lines of credit and utilization, I would like to app for this on my next app break. I'm not really looking for over $5k, and when renewal time comes for my fncc legacy, this would make a nice replacement. I always research the cards first anyways, don't need to jump out of garden until scores optimized anyway.
HI ya Imperfectfuture,
I like your thinking
Thanks for contributing to the discussion
@Anonymous wrote:
@Irisa wrote:So my question are high limit worth it without a signing bonus, great rewards or canceling you original plan to rush in and app?
Like with any other app, I think it comes down to personal goals and preferences. To me personally, it is not worth it. While a high CL is nice, my utilization is low enough to concentrate on getting cards that give me rewards for my spending. If I had a card with a $20K CL, but no rewards, chances are I will never use. However, that card might be worth it to someone else. Having said that, I don't think it's ever a good idea to rush into anything.
Personally, it isnt worth it to me. A card that I'm aware I'll never use serves no purpose to me even with a high CL. My spending habits, income and lifestyle neither warrant the necessity or desire for high CL's and I have no issues keeping my utilization low so dont need the assistance there. I'll be happy as a clam at high tide if all six (maybe seven.....might want the Jetblue card eventually) of my wish cards end up with limits between 1k - 5k.
I'm loving these answers
Rational thoughts from all
@myjourney wrote:On behalf of the GC club
Welcome To The Gardens Friday Night Social Event
Garden rules apply
No Drapping Allowed
Respect Everyone's Opinion
Drink responsibly in the virtual world as well as in the real world
Have fun
Any Friday is : Open Forum ....answer a question or ask a question.
If you're new to the garden and would like to know something about the garden or have questions please ask.
If we can't answer it we will point you in the right direction.
Tonight your thoughts please?
Every now and again a lender comes along and gives big limits.
It's almost like they opened the flood gates and as fast as we find out on the forum it spreads like wild fire and it starts a feeding frenzy starts.
So my question are high limit worth it without a signing bonus, great rewards or canceling you original plan to rush in and app?
Tonight's Menu
Shrimp stir fry
Lobster stir fry with ginger
Drink Menu
Wine and Beer
Non alcoholic drinks available
myjourney wrote:Hi Family
I thought I'd better shed some light on the gardening being a safe zone for no app talking so as not to tempt others who have taken refuge in the GC
Part of being here is to have companionship and support when needed.
So things like this is ok
I'm gardening to get my CSP and to do that I need to raise my scores and let my HP's age.
I'm 2 months away from completing my gardening and i'm close to the cards I want. Which are CAP1 Discover and XXX
Hey insert name here you still going for the CSP and how are you coming along in your journey?
These are goals and we encourage you to share your goals with each other for moral supports.
We walk the path hand in hand as a team and we want everyone to take an active roll in the GC as well as each other.
App talk these should be asked in a thread on the forum
Does anyone think the scores in my sig will get me approved?
Is Amex INQ sensitive and are XXXX________XXXX_________ok with them?
I have a CO and CA do you think I can be approved for XXXX?
Thought we needed to clarify the difference between supporting each others goals vs app talk in the GC
So drum up some support and help each other out
Thanks MJ
Got it, boss. 
@Irisa wrote:
@myjourney wrote:Hi Family
I thought I'd better shed some light on the gardening being a safe zone for no app talking so as not to tempt others who have taken refuge in the GC
Part of being here is to have companionship and support when needed.
So things like this is ok
I'm gardening to get my CSP and to do that I need to raise my scores and let my HP's age.
I'm 2 months away from completing my gardening and i'm close to the cards I want. Which are CAP1 Discover and XXX
Hey insert name here you still going for the CSP and how are you coming along in your journey?
These are goals and we encourage you to share your goals with each other for moral supports.
We walk the path hand in hand as a team and we want everyone to take an active roll in the GC as well as each other.
App talk these should be asked in a thread on the forum
Does anyone think the scores in my sig will get me approved?
Is Amex INQ sensitive and are XXXX________XXXX_________ok with them?
I have a CO and CA do you think I can be approved for XXXX?
Thought we needed to clarify the difference between supporting each others goals vs app talk in the GC
So drum up some support and help each other out
Thanks MJ
Got it, boss.