Valued Contributor
Posts: 2,217
Registered: ‎09-16-2011

Left the garden

App'd for Citi Thankyou, got the 7-10 message kinda surprised since I have gotten the pre-approval letter hoping for a no interest deal for 12 months or more, probably getting declined because I found out that they have begun denying anyone that had ever had them listed on a bankruptcy which I did about 18 years ago...  But we shall see, they gave me a Home Depot by Citi and gave me an instant CLI the same day to 4k, card sits with a 0 balance after I paid off a $600 zero percent interest deal. 


Decided to AP for Chase slate to get the 0% interest deal for 15 months, got approved for 3k, found out while trying to get a CLI that I didn't get the "elite status" so no zero percent interest deal. 


Debating on Apping for barclays... but don't like the idea of having them watch my reports like a hawk. 


Discover also gave me a pre-approval but they are offering only 6 months no interest. 


I also got a BOA card pre-selected offer while i was gardening for 90 days, but they are on my list to avoid.





Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Senior Contributor
Posts: 3,913
Registered: ‎10-02-2012

Re: Left the garden

geat approval. Maybe you should just apply for the ones youve listed. You already left the garden might as well make it worth it! :smileyhappy:

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Left the garden


Regular Contributor
Posts: 217
Registered: ‎09-25-2012

Re: Left the garden

Yea you might as well apply for it, so that way they all fall off at the same time. Just make sure the cards you apply for is worth the inquiry. 

TU 746 (10/13)
GOAL: 750+

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.