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is this still consider garden?

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mikey78
Frequent Contributor

is this still consider garden?

I just checked my Voice mail on my phone and didn't realize i had a message
some one called and left a message about a credit card application on the voice mail it's dated June 20th 2013

I called back with the reference # and to find out whom i applied for it turns out to be Barclay's arrival Master Card
the rep said it has no annual fee and goto rate is 14.99 %
if i don't mind he will go ahead and review my application  (I said Yes for even though i have enough cards -.-)

He told me that he wil not pull any CP because it's was already pulled when i filed the application
I didn't even bother to call or respond to the leftter they sent me because i intent on going for amex and since that time waiting for amex recon
that it was already past the 30 days for me to respond or they will be unable to try to give me credit

while i'm on hold with the rep ... Approved or Denied will this be considered me stepping out of the garden?


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 1 of 25
24 REPLIES 24
Luscher
Valued Contributor

Re: is this still consider garden?

well there was already a hard pull pulled at the time of application so if you were in the garden before that then you restart but if you gardened after then i would say your fine
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 2 of 25
myjourney
Super Contributor

Re: is this still consider garden?


@mikey78 wrote:

I just checked my Voice mail on my phone and didn't realize i had a message
some one called and left a message about a credit card application on the voice mail it's dated June 20th 2013

I called back with the reference # and to find out whom i applied for it turns out to be Barclay's arrival Master Card
the rep said it has no annual fee and goto rate is 14.99 %
if i don't mind he will go ahead and review my application  (I said Yes for even though i have enough cards -.-)

He told me that he wil not pull any CP because it's was already pulled when i filed the application
I didn't even bother to call or respond to the leftter they sent me because i intent on going for amex and since that time waiting for amex recon
that it was already past the 30 days for me to respond or they will be unable to try to give me credit

while i'm on hold with the rep ... Approved or Denied will this be considered me stepping out of the garden?


Still gardening because the HP was already done good luck

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 3 of 25
mikey78
Frequent Contributor

Re: is this still consider garden?

Ok the dude just approved me for a Starting CL of 1300.00
I'm not even sure which barclay's arrival card master card I really applied for I applied based on CK's approval odds of me getting this card
he stated i have no af and my apr is 14.99 Lol

looks ike i'm addign another card on my portfolio

and I'm maxed out of slots (5 CC's) i was hoping to save it for Amex BCE or BCP


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 4 of 25
Steelersboy
Frequent Contributor

Re: is this still consider garden?


@mikey78 wrote:

Ok the dude just approved me for a Starting CL of 1300.00
I'm not even sure which barclay's arrival card master card I really applied for I applied based on CK's approval odds of me getting this card
he stated i have no af and my apr is 14.99 Lol

looks ike i'm addign another card on my portfolio

and I'm maxed out of slots (5 CC's) i was hoping to save it for Amex BCE or BCP


congrats, id like a bce too


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$89,500 total card credit FICO Equifax-823, FICO Transunion-774, FICO Experian-769, DTI-20.4%
Message 5 of 25
myjourney
Super Contributor

Re: is this still consider garden?


@mikey78 wrote:

Ok the dude just approved me for a Starting CL of 1300.00
I'm not even sure which barclay's arrival card master card I really applied for I applied based on CK's approval odds of me getting this card
he stated i have no af and my apr is 14.99 Lol

looks ike i'm addign another card on my portfolio

and I'm maxed out of slots (5 CC's) i was hoping to save it for Amex BCE or BCP


Comgarts 

garden for awhile for that Amex

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 25
awiser
Regular Contributor

Re: is this still consider garden?

5CC's... Is that your personal limit?

Message 7 of 25
mikey78
Frequent Contributor

Re: is this still consider garden?

well I added another Card without a Credit Pull ... Yay

Barclay's is not like Capital One right??


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 8 of 25
mikey78
Frequent Contributor

Re: is this still consider garden?


@awiser wrote:
5CC's... Is that your personal limit?

Yes it's My personal CC limit In my perfect world Id just stick with 2 cards
but I Had 4 Cards during my credit rebuild mode and now that my credit is actually at the point where I know i can get better card with rewards and no annual's
I closed the onces that were stubborn to waive my AF's and replaced them with better cards with more CLI and NO AF and rewards
so I had one slot that i was saving for AMEX Smiley Tongue


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 9 of 25
myjourney
Super Contributor

Re: is this still consider garden?


@mikey78 wrote:

well I added another Card without a Credit Pull ... Yay

Barclay's is not like Capital One right??


I love my Barclay account prime lender

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 10 of 25
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