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Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

One Last App Before Garden?

Ok, I have reached two goals that I wanted to get before entering the garden since I guess the AMEX CLI won't start my garden time over since it is a SP. Well everyone around me is getting the Discover IT and i'm getting jealous! I just got a Credit Union card and haven't even received my Chase Freedom but I kinda want the Discover IT now too!!!!! is it worth it? Do the categories ever overlap or could I end up getting gas say 3 out of 4 quarters? That'd be amazing! Also, if i do decide, should I app before or after my 3X CLI with AMEX? Im eligible the second week in June so would it even show before then? Most recent Experian pull was a 707 and Equifax was 670.

My Wallet - Chase Freedom - $3,000
BB&T Platinum Visa - $2,500
American Express Blue Sky - $2,000
Best Buy Store Card - $1,900
Kay Store Card - $1,800
BayPort Classic Visa - $1,000
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: One Last App Before Garden?


eagles08 wrote:
Ok, I have reached two goals that I wanted to get before entering the garden since I guess the AMEX CLI won't start my garden time over since it is a SP. Well everyone around me is getting the Discover IT and i'm getting jealous! I just got a Credit Union card and haven't even received my Chase Freedom but I kinda want the Discover IT now too!!!!! is it worth it? Do the categories ever overlap or could I end up getting gas say 3 out of 4 quarters? That'd be amazing! Also, if i do decide, should I app before or after my 3X CLI with AMEX? Im eligible the second week in June so would it even show before then? Most recent Experian pull was a 707 and Equifax was 670.

My Wallet - Chase Freedom - $3,000
BB&T Platinum Visa - $2,500
American Express Blue Sky - $2,000
Best Buy Store Card - $1,900
Kay Store Card - $1,800
BayPort Classic Visa - $1,000

IMO I'd wait 6 months. :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: One Last App Before Garden?

Hmmm, my only argument with that is its either this or nothing! I want to go ahead and garden because I plan to go for a house within the next two years i want 0 inquiries!!!! So if I keep my final apps within a shoter time frame all the inquiries will fall around the same time. What do you think??
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: One Last App Before Garden?


eagles08 wrote:
Hmmm, my only argument with that is its either this or nothing! I want to go ahead and garden because I plan to go for a house within the next two years i want 0 inquiries!!!! So if I keep my final apps within a shoter time frame all the inquiries will fall around the same time. What do you think??

1 INQ is not going to kill you. If you really want it go for it now but it could produce a toy limit tho.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: One Last App Before Garden?

Is Discover known for giving any auto love? Ive read that Chase has started and I love that the CLI for AMEX is only a SP so those I'm not worried about. Same with Best Buy and it seems Kay gives autos as well. Therefore, the main cards I use are either SP or auto which will keep me happily in the garden for a longggg time!
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Valued Member
NCGirl
Posts: 49
Registered: ‎05-06-2013
0

Re: One Last App Before Garden?

If you wait a few months and allow your credit rating to grow you'll get a better interest rate from Discover. They will probably pull EQ or TU and since your score with EQ is 670, you will get a higher interest rate at this time. IMO


Starting Score: 689
Current Score: 689
Goal Score: 770


Take the myFICO Fitness Challenge

Amex BCE, Discover, FNBO AMEX, Citi Dividend Platinum Select Visa, Blue for Business
(In the garden until November 2013)
Next card Visa Signature - World Elite MC(Business)
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: One Last App Before Garden?

@NCgirl great point! I'm more worried about limit since I HATE carrying any month to month balances. I've had my fair share of credit card debt and worries. However, the only reason I have the BayPort card is for the APR which is 13.99%, not too bad IMO and it is my lowest.
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: One Last App Before Garden?

Me haz a feeling ealgles is going for a Discover card no matter what is said today...................:smileytongue:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: One Last App Before Garden?

Hahahhahahha deep down inside I want to but im still on the fence!!!!!! Plus I dont want to over do it with cards and get flustered and miss a payment. I need a daily planner to keep up with all this!!
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: One Last App Before Garden?


eagles08 wrote:
Hahahhahahha deep down inside I want to but im still on the fence!!!!!! Plus I dont want to over do it with cards and get flustered and miss a payment. I need a daily planner to keep up with all this!!

 

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Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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