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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: I NEED to Garden until April!


titanofold wrote:

That's right. The HP from Verizon does not destroy your garden!


Confirmed... by the GC President. :smileyhappy:


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 Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: I NEED to Garden until April!

How did I manage to stay in the garden when there were stil cards on my wish list? By realizing that I was NOT going to get those cards until my reports reflected certain criteria. In my case, I needed to wait for a couple of CA/COs to age off. Until then, apping for what I wanted was pointless. So, I put all of my energy into focusing on the things that I liked about the cards that I already had and enjoying their benefits. As soon as the time was ripe and my reports were good to go, I pounced on the cards I wanted and did indeed get them... that was oh so satisfying! But when attempting to achieve a goal, realizing what it is that you simply must do, and then sticking with it, is vital.


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
Epic Contributor
Creditaddict
Posts: 20,891
Registered: ‎10-23-2007
0

Re: I NEED to Garden until April!


tinuviel wrote:

How did I manage to stay in the garden when there were stil cards on my wish list? By realizing that I was NOT going to get those cards until my reports reflected certain criteria. In my case, I needed to wait for a couple of CA/COs to age off. Until then, apping for what I wanted was pointless. So, I put all of my energy into focusing on the things that I liked about the cards that I already had and enjoying their benefits. As soon as the time was ripe and my reports were good to go, I pounced on the cards I wanted and did indeed get them... that was oh so satisfying! But when attempting to achieve a goal, realizing what it is that you simply must do, and then sticking with it, is vital.


Nice, thanks!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Frequent Contributor
MissCredit9
Posts: 419
Registered: ‎08-08-2013
0

Re: I NEED to Garden until April!


Creditaddict wrote:

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?


I plan to fight my cravings by becoming point accumulation obsessed rather than credit card accumulation obsessed. I will be spending the next 6 months figuring out my perfect spend routine to maximize my ability to travel (in style) at little or no cost to myself.

AMEX PRG NPSL, CITI DIAMOND PREFERRED 20K, FIDELITY AMEX 20K, CHASE SAPPHIRE PREFERRED 15K, AMEX DELTA SKYMILES GOLD 6K, CHASE MARRIOTT PREMIER 5K, BARCLAYCARD REWARDS MASTERCARD 4K, CAPITAL ONE QUICKSILVER 3K, AMAZON STORECARD 6K, VICTORIAS SECRET 1050, EXPRESS NEXT 650
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: I NEED to Garden until April!

[ Edited ]

MissCredit9 wrote:

Creditaddict wrote:

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?


I plan to fight my cravings by becoming point accumulation obsessed rather than credit card accumulation obsessed. I will be spending the next 6 months figuring out my perfect spend routine to maximize my ability to travel (in style) at little or no cost to myself.


That's an excellent plan, and a good example of what I meant by focusing on the benefits of your current cards. Best wishes to you!


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
Epic Contributor
Creditaddict
Posts: 20,891
Registered: ‎10-23-2007
0

Re: I NEED to Garden until April!


MissCredit9 wrote:

Creditaddict wrote:

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?


I plan to fight my cravings by becoming point accumulation obsessed rather than credit card accumulation obsessed. I will be spending the next 6 months figuring out my perfect spend routine to maximize my ability to travel (in style) at little or no cost to myself.


that's just it... other then a somewhat need to move debt to myself by the june'ish timeframe from my partner if we are really going to go house hunting. I need no credit... we use Fidelity Amex now for the 2% and Quicksilver as backup when amex is not taken and then I rotate between Discover and Freedom depending on the category.

I now use 76 card for gas because I'm building that relationship and I have a Spark for all my business stuff.... I don't need anything but I love collecting cards... I'm like Ron1 :smileytongue:

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Frequent Contributor
MissCredit9
Posts: 419
Registered: ‎08-08-2013
0

Re: I NEED to Garden until April!


tinuviel wrote:

MissCredit9 wrote:

Creditaddict wrote:

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?


I plan to fight my cravings by becoming point accumulation obsessed rather than credit card accumulation obsessed. I will be spending the next 6 months figuring out my perfect spend routine to maximize my ability to travel (in style) at little or no cost to myself.


That's an excellent plan, and a good example of what I meant by focusing on the benefits of your current cards. Best wishes to you!


Thank you, I'm happy to be at the realization that I can still be "credit obsessed" without burning inquiries :smileyhappy:

AMEX PRG NPSL, CITI DIAMOND PREFERRED 20K, FIDELITY AMEX 20K, CHASE SAPPHIRE PREFERRED 15K, AMEX DELTA SKYMILES GOLD 6K, CHASE MARRIOTT PREMIER 5K, BARCLAYCARD REWARDS MASTERCARD 4K, CAPITAL ONE QUICKSILVER 3K, AMAZON STORECARD 6K, VICTORIAS SECRET 1050, EXPRESS NEXT 650
Valued Contributor
Imhotrodcrazy
Posts: 1,508
Registered: ‎03-11-2009
0

Re: I NEED to Garden until April!

I guess I am fortunate that I don't have the app fever.  My last  app was in Dec. 2011 when I received my Amex.  I am more interested in seeing how high I can get my score. My EX is perfectly clean.  I have a PR on my TU and EQ that is due to come off in July 2014, so I am waiting to see what my scores will be then.  I am also fortunate that all 3 of my CL's are 15K each so I have lots to play with. 

FICOS
TU 805 10/18/14
EX 812 9/23/14
EQ 829 10/18/14

NASA 30K / / Amex 16.5k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Frequent Contributor
MissCredit9
Posts: 419
Registered: ‎08-08-2013
0

Re: I NEED to Garden until April!


Creditaddict wrote:

MissCredit9 wrote:

Creditaddict wrote:

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?


I plan to fight my cravings by becoming point accumulation obsessed rather than credit card accumulation obsessed. I will be spending the next 6 months figuring out my perfect spend routine to maximize my ability to travel (in style) at little or no cost to myself.


that's just it... other then a somewhat need to move debt to myself by the june'ish timeframe from my partner if we are really going to go house hunting. I need no credit... we use Fidelity Amex now for the 2% and Quicksilver as backup when amex is not taken and then I rotate between Discover and Freedom depending on the category.

I now use 76 card for gas because I'm building that relationship and I have a Spark for all my business stuff.... I don't need anything but I love collecting cards... I'm like Ron1 :smileytongue:


How many cards do you have?

 

AMEX PRG NPSL, CITI DIAMOND PREFERRED 20K, FIDELITY AMEX 20K, CHASE SAPPHIRE PREFERRED 15K, AMEX DELTA SKYMILES GOLD 6K, CHASE MARRIOTT PREMIER 5K, BARCLAYCARD REWARDS MASTERCARD 4K, CAPITAL ONE QUICKSILVER 3K, AMAZON STORECARD 6K, VICTORIAS SECRET 1050, EXPRESS NEXT 650
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: I NEED to Garden until April!

Watch out entering the garden.....................

 

Its a trap.jpg



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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