left the garden for apps

[mrcrush20]

i was planing on staying in the garden untill 2013 and paying my cards down over the next 6 months

i have a postive cash flow to pay them all off now but i thought i would pay them off in the next 6 to show i can carry a balance 

i apped for sony card (cap one) approved 

amazon store card approved

walmart store card approved

express next card approved

all of my subprime cards are about to hit one year my FP my orchard bank and cap one

now i will let them age together 

i know the store cards are not the best but i will never have a blance on them just raise my total accounts ane limits

score droped 17 points from apps

removed colection on TU score went up 30 :]

[Chris123nTx]

Just curious who are you showing you can carry a abalance? Paying interest to show a card company that may have millions of users and billions in charges, only costs you money with little to nothing to show for it. Just my opinion of course.

[iCoop]

Agreed, show them you can PIF and save yourself the money.

[android01]

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@Chris123nTx wrote:
Just curious who are you showing you can carry a abalance? Paying interest to show a card company that may have millions of users and billions in charges, only costs you money with little to nothing to show for it. Just my opinion of course.

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+1.  Never, ever pay interest if you don't have to.  Carrying a balance will not impress a creditor, and just cost you more money in the end, especially if you can pay it off.

[quest208]

what were your balances before you applied for the walmart

[Anonymous]

Just wait for all those new accts to hit your score, it will drop again.  I got approved earlier this month for 4 cards, I am expecting about a 40-50 pt drop.  So I will definitely be in the garden until the new cards are 1 year old.  If I end up with any AA, I will definitely learn my lesson about 4 cards in two days

[bichonmom]

+1 paying interest does nothing to help you build credit. It only benefits the banks. The best thing you can do is PIF each month.

You'll probably also get dinged when all 4 CC report because your AAoA probably took a nosedive, so you'll definitely want to take a break from apping. Remember to call GEMB for CLI @ 4 mos. Sometimes it works and sometimes it doesn't, but doesn't hurt to try. They're great w/CLIs.

[Repo-ed]

Remember upon receiving your walmart store card, to select paperless billing so that you can get the TU score monthly.