Reply
Frequent Contributor
Exonumist
Posts: 450
Registered: ‎07-03-2012

Must. Not. App.

It's officially January and I'm stuck at work bored out of my mind. I really want to app for Amex Delta Gold and Costco True Earnings, but I want to wait for my recent payment on my Green to post first. This sucks.



Current Scores: TU 766 (2/27/14), EX 755 (4/20/13), EQ 729 (1/28/14)
Goal Scores: 780+
Last App: March 21, 2014
Frequent Contributor
racer-x
Posts: 329
Registered: ‎09-16-2012

Re: Must. Not. App.

Stay away from the light......don't go into the light....it's a trap....you'll get denied or a $100 CL with 6 HP's....


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 687 DicoverTU 705 myFico EX 738
Goal Score: 750

AMEX GOLD,AMEX BCP-$10k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$6k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

Take the FICO Fitness Challenge
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Must. Not. App.

May the force be with you.

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Frequent Contributor
Exonumist
Posts: 450
Registered: ‎07-03-2012

Re: Must. Not. App.

 


racer-x wrote:

Stay away from the light......don't go into the light....it's a trap....you'll get denied or a $100 CL with 6 HP's....


Hey now... that would be a $300 limit in 61 days! Capital One seems to think that's an acceptable limit. Seriously though, boredom has to be the worst thing when it comes to gardening.



Current Scores: TU 766 (2/27/14), EX 755 (4/20/13), EQ 729 (1/28/14)
Goal Scores: 780+
Last App: March 21, 2014
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012

Re: Must. Not. App.

[ Edited ]

racer-x wrote:

Stay away from the light......don't go into the light....it's a trap....you'll get denied or a $100 CL with 6 HP's....


Since when did Capital One purchase AmEx ?? LOL

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Must. Not. App.

Gardening pays off for most.

 

I'm only apping twice this year for student loans.

 

There really isn't a lot out there that floats my boat in the CC world at this point. It's actually pretty easy to garden now.


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Valued Contributor
kevinjjc
Posts: 1,267
Registered: ‎01-14-2009

Re: Must. Not. App.


drkaje wrote:

Gardening pays off for most.

 

I'm only apping twice this year for student loans.

 

There really isn't a lot out there that floats my boat in the CC world at this point. It's actually pretty easy to garden now.


Do you already have the US Bank Cash+ card? In my opinion, it's a must-have!

Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Must. Not. App.


kevinjjc wrote:

drkaje wrote:

Gardening pays off for most.

 

I'm only apping twice this year for student loans.

 

There really isn't a lot out there that floats my boat in the CC world at this point. It's actually pretty easy to garden now.


Do you already have the US Bank Cash+ card? In my opinion, it's a must-have!


I already have BCP, Delta Amex, 2 Citi, Chase Freedom, and 2 USAA cards. I was jonesing for a USBank card but really don't want anything else to manage.

 

My long term (7 year) plan is to only have 2 or 3 cards. Unless someone comes up with a card I'll lose sleep over not applying for this dude is staying in the garden, LOL!


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Valued Contributor
kevinjjc
Posts: 1,267
Registered: ‎01-14-2009

Re: Must. Not. App.


drkaje wrote:

kevinjjc wrote:

drkaje wrote:

Gardening pays off for most.

 

I'm only apping twice this year for student loans.

 

There really isn't a lot out there that floats my boat in the CC world at this point. It's actually pretty easy to garden now.


Do you already have the US Bank Cash+ card? In my opinion, it's a must-have!


I already have BCP, Delta Amex, 2 Citi, Chase Freedom, and 2 USAA cards. I was jonesing for a USBank card but really don't want anything else to manage.

 

My long term (7 year) plan is to only have 2 or 3 cards. Unless someone comes up with a card I'll lose sleep over not applying for this dude is staying in the garden, LOL!


In my opinion, it's risky to have only 2 or 3 credit cards. Diversification in this credit game is important. For example, if you get AA'd with your 2 or 3 credit cards, you're essentially out of luck. Please carefully think about this.

Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: Must. Not. App.


Default4 wrote:

It's officially January and I'm stuck at work bored out of my mind. I really want to app for Amex Delta Gold and Costco True Earnings, but I want to wait for my recent payment on my Green to post first. This sucks.


DOOOO ITTTT! 

 

You know you want to. 

 

:smileytongue:

Photobucket

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+