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My First App Spree!

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NewtoCredit80
Frequent Contributor
‎07-07-2013 03:41 PM
‎07-07-2013 03:41 PM

Re: My First App Spree!

Citi offered one of my friend secured card in the branch.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 11 of 13
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CBTS
Frequent Contributor
‎07-08-2013 02:45 PM
‎07-08-2013 02:45 PM

Re: My First App Spree!

@myjourney wrote:
@Anonymous- wrote:

Thanks everyone! I really wanna make my way to the garden, but the low limit cards are holding me back...

Since you have gotten nice card limits recently IMHO I would garden now and see if some of your lower limit cards do auto CLI's when they review your accounts and see the other limits to try and get your business back 

Yeah this is exactly what I should do. But I just got off the phone with CITI, and my 18-month secured CC contract is about to end next month, and they're gonna offer me a card after that. I don't know if it's gonna be a HP or not.

 

EDIT: Any advice on what I should do?

Message 12 of 13
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myjourney
Super Contributor
‎07-08-2013 03:17 PM
‎07-08-2013 03:17 PM

Re: My First App Spree!

@Anonymous- wrote:
@myjourney wrote:
@Anonymous- wrote:

Thanks everyone! I really wanna make my way to the garden, but the low limit cards are holding me back...

Since you have gotten nice card limits recently IMHO I would garden now and see if some of your lower limit cards do auto CLI's when they review your accounts and see the other limits to try and get your business back 

Yeah this is exactly what I should do. But I just got off the phone with CITI, and my 18-month secured CC contract is about to end next month, and they're gonna offer me a card after that. I don't know if it's gonna be a HP or not.

 

EDIT: Any advice on what I should do?

One more HP won't hurt for a CLI so I would go for it since you have history with them already then head over to the garden for 6 months to age and grow the cards you have. I think your making a good choice in gardening and hope to see you join our merry bunch Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 13 of 13
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