Reply
Mega Contributor
Creditaddict
Posts: 19,522
Registered: ‎10-23-2007
0

Re: I NEED to Garden until April!


MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
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: Express $300
Over 40 Cards in between :smileytongue:
Frequent Contributor
MissCredit9
Posts: 414
Registered: ‎08-08-2013
0

Re: I NEED to Garden until April!


Creditaddict wrote:

MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.


Do you have a mint.com account? Maybe you could work on organization and maybe moving around some due dates or asking for APR reductions for a little fun.

AMEX PRG NPSL, CITI DIAMOND PREFERRED 20K, FIDELITY AMEX 20K, CHASE SAPPHIRE PREFERRED 11K, 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
Mega Contributor
Creditaddict
Posts: 19,522
Registered: ‎10-23-2007
0

Re: I NEED to Garden until April!


MissCredit9 wrote:

Creditaddict wrote:

MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.


Do you have a mint.com account? Maybe you could work on organization and maybe moving around some due dates or asking for APR reductions for a little fun.


Just switched to PersonalCapital = WAY BETTER and syncs to more and more reliable and as you add investment stuff is better at that too...

Just did my sigi... how does it look?!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
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: Express $300
Over 40 Cards in between :smileytongue:
New Contributor
maximiliano
Posts: 65
Registered: ‎11-25-2013
0

Re: I NEED to Garden until April!


Creditaddict wrote:

MissCredit9 wrote:

Creditaddict wrote:

MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.


Do you have a mint.com account? Maybe you could work on organization and maybe moving around some due dates or asking for APR reductions for a little fun.


Just switched to PersonalCapital = WAY BETTER and syncs to more and more reliable and as you add investment stuff is better at that too...

Just did my sigi... how does it look?!


your sigi looks great, but what's up with 3 Target cards? How did that happen?? lol


$7,000.............$6,700...............$1,250...............$1,500...............$1,500.............$820................$750(AU).........$500..............
Starting Score: 577 (08/2012) Current Score: EQ: 675 (2013) | EX: 686 (04/14) | TU: 700 (Barclay FICO)
Last app: 04/28/14. In the garden until 12/2014 (updated 07/14)
Mega Contributor
Creditaddict
Posts: 19,522
Registered: ‎10-23-2007
0

Re: I NEED to Garden until April!


maximiliano wrote:

Creditaddict wrote:

MissCredit9 wrote:

Creditaddict wrote:

MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.


Do you have a mint.com account? Maybe you could work on organization and maybe moving around some due dates or asking for APR reductions for a little fun.


Just switched to PersonalCapital = WAY BETTER and syncs to more and more reliable and as you add investment stuff is better at that too...

Just did my sigi... how does it look?!


your sigi looks great, but what's up with 3 Target cards? How did that happen?? lol


was 4 until I stopped paying them last year... for some reason they charged off the big one of $1500 (which I since paid) but the other 3 they just kept them, they are also paid and still open but I've been trying to GW them as they are killing me... I think they are hurting me more than the charged off, now paid... seriously... 120+ days late... they are murder... I can't kick myself hard enough... someone do it for me!

and I don't know, it's been a joke for a long time... got my first in 1999 when I turned 18 and kept it through my bk and it's just always been there.... in 2008 they wouldn't give me CLI on the $300 1999 account so I applied in store and was approved for another $300.... couple months later was shopping again and spending $200 and something and I wanted the 10% off so I applied and was approved again! fast forward a few months later in 2009 I was shopping and was asked if I wanted to apply and I said I have 3 but I'll apply for another and it was approved for $200!

one of the account from 2008 for some reason caught the system of auto CLI and went to $1k and then went to $1500 with all the other lucky folks that posted about it back in the day but the rest including the one opened in 1999 have always been the same CL and never moved!

Target says you can't have more than 1 but they have not taken the ones away or really answered how the system let me get more than 1 and they will gladly combine but they are like GE combining a gap, banana, and old navy card... they will move your balance to whichever card you want to keep open but they will not combine the CL's (umm No, that's stupid.) so i have kept them!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
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: Express $300
Over 40 Cards in between :smileytongue:
Valued Contributor
sailor_mercury
Posts: 2,368
Registered: ‎12-09-2013
0

Re: I NEED to Garden until April!


09Lexie 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?


You know (cause you offer this advice) by waiting a few months till your CR's are updated, approvals would be better for you.  You've added a few TLs recently and if you wait until May-June, you'll have some history on them.  By June, you'll be able to write your own ticket. 

 

Don't water  down your chances now by continuing to apply for cards so close to your bk falling off.   In a few months your choices will be much better. 


LOL!  That needs to be tatooed on me some where I can see it to remind me of why I'm gardening :smileyhappy:


EQ 679 - 05/02/14 (myfico.com, New Model) | Last App 05/24/14 | Goal: 750+ 9/2014
NFCU nCashRewards VISA - $20,000 | NFCU nRewards $3,000
AMEX Costco TrueEarnings $5,000 | AMEX Delta Gold $1,500
Chase SWA VISA $5,000 | Chase Slate $3,500 | Chase Amazon Rewards VISA $3,000
HSN Mastecard $3,500
Frequent Contributor
MissCredit9
Posts: 414
Registered: ‎08-08-2013
0

Re: I NEED to Garden until April!


Creditaddict wrote:

MissCredit9 wrote:

Creditaddict wrote:

MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.


Do you have a mint.com account? Maybe you could work on organization and maybe moving around some due dates or asking for APR reductions for a little fun.


Just switched to PersonalCapital = WAY BETTER and syncs to more and more reliable and as you add investment stuff is better at that too...

Just did my sigi... how does it look?!


The sig is great! Very full, a good visual reminder that you have quite enough credit already :smileywink:

AMEX PRG NPSL, CITI DIAMOND PREFERRED 20K, FIDELITY AMEX 20K, CHASE SAPPHIRE PREFERRED 11K, 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
FinStar
Posts: 5,156
Registered: ‎10-21-2012
0

Re: I NEED to Garden until April!


MissCredit9 wrote:

Creditaddict wrote:

MissCredit9 wrote:

Creditaddict wrote:

MissCredit9 wrote:

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?

 


me, myself, and I... without AU accounts on my parter.... hmmm quick finger count I think 19.

If I add in AU accounts that number triples I would estimate.


Do you have a mint.com account? Maybe you could work on organization and maybe moving around some due dates or asking for APR reductions for a little fun.


Just switched to PersonalCapital = WAY BETTER and syncs to more and more reliable and as you add investment stuff is better at that too...

Just did my sigi... how does it look?!


The sig is great! Very full, a good visual reminder that you have quite enough credit already :smileywink:


I dunno MissCredit9... it may never be enough for CreditAddict!  LOL :smileyvery-happy:   I'm trying to picture how CredditAddict and gardening would be synonymous :smileytongue:

Established Contributor
pizza1
Posts: 1,030
Registered: ‎07-17-2013
0

Re: I NEED to Garden until April!

Hey credit addict....


I'm gardening until April as well, then it will be 6mobths and I will ask for a cli in cc and the refi again with NFCU!! It's hard!!!! But I also know that I've been defeated. I have 9 more years until my bk falls, and I also will potentially lose a guy I'm dating once I tell him about my bK too:smileysad: I found he's totally against that and want his future partner to have excellent credit like him. So, not only can I not get a measly car refi for $9800, and credit, but I can't keep a boyfriend and won't ever get one for the next 9 years:smileysad:
BK 7 D/C: 08/19/13~FICO-400's---> 07/14~EQ 659,EX 644,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|Wmart-$750|JCP-$500|Jcrew-$4,250|Loft-$450|Gap-$200|76 gas-$300|Amazon store-$700
Valued Contributor
daybreakgonesXe
Posts: 1,783
Registered: ‎11-17-2012
0

Re: I NEED to Garden until April!


pizza1 wrote:
Hey credit addict....


I'm gardening until April as well, then it will be 6mobths and I will ask for a cli in cc and the refi again with NFCU!! It's hard!!!! But I also know that I've been defeated. I have 9 more years until my bk falls, and I also will potentially lose a guy I'm dating once I tell him about my bK too:smileysad: I found he's totally against that and want his future partner to have excellent credit like him. So, not only can I not get a measly car refi for $9800, and credit, but I can't keep a boyfriend and won't ever get one for the next 9 years:smileysad:

Pick your head up, pizza :smileyhappy: and don't worry about the guy; if he really cares about the BK that much instead of who you are, he's not worth it anyways. You hit a hard time and are willing to pick yourself up, that should be all that matters!

 

And trust me, most guys out there (definitely excluding the forum!) are kind of "duh" about credit. From my two ex's and current boyfriend, they knew about credit cards and student loans and maybe a car loan, but that was about it. Didn't know that credit cards are helpful about building credit. Didn't know that they can avoid interest by PIF. Didn't know about rewards, etc. I had a positive impact by instilling it in the ex's and looks like it's carrying on well for them. My current boyfriend is handling it well, and understands the importance about PIF, but simply didn't have the means at the time (he's a college student, of course). With his refund from the school, though, he's planning on PIF. I'll get him into the credit game one day :smileywink: All he has is student loans and a Cap One Journey, I believe...stil early in the relationship, so not something we necessarily talk about.

 

There's much more out there :smileywink: don't you worry! Just worry about yourself and doing what you gotta do!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 709 TU FICO 746 Credit Karma (TU) 779 Transrisk 817/990 Credit Sesame (EX) 761 Credit.com (EX) 762 VantageScore 3.0 736 Quizzle (EQ) 741

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+