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app spree and time to garden

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ACcash
Established Member

app spree and time to garden

first of all, thank you to contributors in this forum!! very helpful

 

mentioned part of the story in another post. really happy with what i have achieved!! annual income is around 25k, latest fico score (TU) is 740

 

started with no history exactly two years ago (aug 2011) and got a BofA secured credit card, CL = 200

nothing happened in 2012 except the secured cc turned into non-secured

 

this year I started my spree, espcially during the summer when I found this forum!

Mar 2013, requested CLI on my BofA card, 300 -> 1k

Apr 2013, applied for Capital one platinum (39 AF), 2k, i should probably have applied for a better one...

Jul 2013, applied for chase UA, cl = 8k

Jul 2013, applied for boa 123 cash rewards, cl = 1k

Aug 2013, applied for discover it, cl = 1k

Aug 2013, applied for amex spg, cl = 2k

Aug 2013, applied for citi forward, cl = 4k

Aug 2013, closed boa secured card (there's AF) 

 

all applications are successful. total cl is now close to my income... time to stay at the garden and aim for (1) csp / citi typ (2) capital one PC (current one has AF)

Message 1 of 12
11 REPLIES 11
FinStar
Moderator Emeritus

Re: app spree and time to garden


@ACcash wrote:

first of all, thank you to contributors in this forum!! very helpful

 

mentioned part of the story in another post. but really happy with what i have achieved!! annual income is around 2.5k, latest fico score (TU) is 740

 

started with no history exactly two years ago (aug 2011) and got a BofA secured credit card, CL = 200

nothing happened in 2012 except the secured cc turned into non-secured

 

this year I started my spree, espcially during the summer when I found this forum!

Mar 2013, requested CLI on my BofA card, 300 -> 1k

Apr 2013, applied for Capital one platinum (39 AF), 2k, i should probably have applied for a better one...

Jul 2013, applied for chase UA, cl = 8k

Jul 2013, applied for boa 123 cash rewards, cl = 1k

Aug 2013, applied for discover it, cl = 1k

Aug 2013, applied for amex spg, cl = 2k

Aug 2013, applied for citi forward, cl = 4k

Aug 2013, closed boa secured card (there's AF) 

 

all applications are successful. total cl is now close to my income... time to stay at the garden and aim for (1) csp / citi typ (2) capital one PC (current one has AF)


Annual income $2.5K or $25K?

Message 2 of 12
ACcash
Established Member

Re: app spree and time to garden

25k, sorry for the typo Smiley Happy corrected

Message 3 of 12
09Lexie
Moderator Emerita

Re: app spree and time to garden

I was about to say...wow!

Congrats on your approvals and yep...time to garden
Message 4 of 12
MsLadyRover
Valued Contributor

Re: app spree and time to garden

Awesome! Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 5 of 12
myjourney
Super Contributor

Re: app spree and time to garden

Congrats see you in the garden

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 6 of 12
azguy13
Senior Contributor

Re: app spree and time to garden

There is a lot of fresh air in the Garden. Fresh air, beer, and friends

Message 7 of 12
FinStar
Moderator Emeritus

Re: app spree and time to garden


@09Lexie wrote:
I was about to say...wow!

Congrats on your approvals and yep...time to garden

+1

 

Me too... LOL   I was like.. 2.5K annual income and look at them CLs...a miracle by the Credit Gods!  Robot Very Happy

 

OP - very nicely done & congrats

 

 

Message 8 of 12
coldnmn
Mega Contributor

Re: app spree and time to garden

Congrats! 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 12
migliogiorni
Established Contributor

Re: app spree and time to garden

econgrats on your app spree success.28828

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 10 of 12
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