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January - 2015 Garden Thread

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1GaDawg85
Valued Contributor

Re: January - 2015 Garden Thread

Still here.....ain't trying my luck with anyone like BoA, Discover, AmEx, etc. This BK really is crimping my style.....blah


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 1221 of 2,048
BUN
Established Contributor

Re: January - 2015 Garden Thread

Good morning everyone! Still recovering from Christmas waiting for more 0's to report!Smiley Happy

Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.
Message 1222 of 2,048
CS800
Super Contributor

Re: January - 2015 Garden Thread

Still gardening after 24 months. Feels good. Thinking of closing some low CL cards.




Message 1223 of 2,048
Anonymous
Not applicable

Re: January - 2015 Garden Thread


@CS800 wrote:

Still gardening after 24 months. Feels good. Thinking of closing some low CL cards.


You should be rocking the diamond!

Message 1224 of 2,048
kjel
Established Contributor

Re: January - 2015 Garden Thread

Back to the seedling today. Bit the bullet and app'd for the Chase Sapphire Preferred card last night, figured I would do it before the mortgage started reporting and score takes a minor ding. Boom! Instant approval, $5K limit, and the card will be great for all the travel we have planned this year.

 

 

Current Score: TU: 674 | EQ: 722 | EX: 717 | Last Inq. 2/16/15...Locked Up in The Garden
NFCU Cash Rewards $14K | Chase Sapphire Preferred $5K | Amex Blue Cash Preferred $6K | Cap1 Quicksilver One Visa $9K

Message 1225 of 2,048
mongstradamus
Super Contributor

Re: January - 2015 Garden Thread


@kjel wrote:

Back to the seedling today. Bit the bullet and app'd for the Chase Sapphire Preferred card last night, figured I would do it before the mortgage started reporting and score takes a minor ding. Boom! Instant approval, $5K limit, and the card will be great for all the travel we have planned this year.

 

 


CSP isn't an bad card for travel emv and no ftf is nice. 



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 1226 of 2,048
kjel
Established Contributor

Re: January - 2015 Garden Thread


That's the chief reason that I wanted it. I have a Navy Fed cash rewards card which is what I usually use but it does charge FTFs. You can squeeze out a bit more for the rewards if you book through Chase's travel site. We have a cruise booked in May to Barcelona, a trip to the Dominican Republic, a trip to Montreal, and trying to squeeze one more in towards the end of the year since our vacation/sick day accrual has changed to a general PTO. While most of my coworkers usually expend their sick days, I don't so now I can have more vacation time Smiley Happy

Current Score: TU: 674 | EQ: 722 | EX: 717 | Last Inq. 2/16/15...Locked Up in The Garden
NFCU Cash Rewards $14K | Chase Sapphire Preferred $5K | Amex Blue Cash Preferred $6K | Cap1 Quicksilver One Visa $9K

Message 1227 of 2,048
CarbonCard
Established Contributor

Re: January - 2015 Garden Thread


@CS800 wrote:

Still gardening after 24 months. Feels good. Thinking of closing some low CL cards.


Dayum! 24 months sounds so loong.. haha

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus

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Message 1228 of 2,048
uswala
Senior Contributor

Re: January - 2015 Garden Thread


@CS800 wrote:

Still gardening after 24 months. Feels good. Thinking of closing some low CL cards.


And I would be happy if I could manage half of that.

Message 1229 of 2,048
kdm31091
Super Contributor

Re: January - 2015 Garden Thread

24 months? Wow, that's amazing. I sometimes wonder how I will even get through a year of gardening, but hey, January is rolling right on by

Message 1230 of 2,048
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