short term gardening...

afbar1114 · ‎03-23-2012

i am gardening for the short term now until 10/12 ...at that point ill try for BCP and/or freedom and/or CLI on BoA card...i think aT 13 month mark for slate i will do a PC from slate to freedom... i would like mny wallet to have BCP Freedom ZYNC and Kohls and maybe one more card in my wallet.... at all times and SD/close other cards...

APPBAR SR.. you joining me?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

FrugalRican · ‎03-23-2012

Personally, I hope you make it that far. Seeing your app threads has been like watching an episode of My Strange Addiction.
But the over/under Vegas odds aren't smiling upon you today.

Good luck though. I hope you can make it all the way to October.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Anonymous · ‎03-23-2012

I will be joining you......I will be applying for the freedom card and zync in November 2012.

LS2982 · ‎03-23-2012

I'm in Appbar Jr.! I'm taking my goal longer to 3/13 for the BCE.

EQ FICO 548 3/3/16

afbar1114 · ‎03-23-2012

i would really like a freedoom and BCP at some point...but i may be looking at what my credit card needs are since i got BoA now... may need to look at what options are needed at this point...and what APR's are out there.... APR's on reward cards tend to be higher... i know i have a few retail cards with no AF's but once i start getting bank cards with higher limits i dont see the point of holding these cards if they have a higher APR...my bby and kohls card i will be keeping... i just need to see what would be better to age with in the long term...BCP would be good because of higher cash back on gas and food. i would like to have 4-5 cards at some point insted of the 9 i have now but pageonce helps with that alot

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

FrugalRican · ‎03-23-2012

Why are you so concerned about having a lower APR?

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

afbar1114 · ‎03-23-2012

@FrugalRican wrote:
Why are you so concerned about having a lower APR?

sometimes you cant always PIF each month...like if you needd to get something fixed or a big buy once cant always PIF.....i have decied to keep BBY since i have confiremed it will be sold to cap1 at some point and i have 1k limit on it.. and looking at your Discover card there has a big bal you wouldnt want a lower APR on a bal that big?

SOME ONE STOP ME I WANT TO GET A CLI ON KOHLS.. i need a suit for a weeding this year

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

FrugalRican · ‎03-23-2012

I have 15 months, no interest on the Discover More.

That balance will be gone in less than 12. I'm not worried about the APR on that card.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Datx · ‎03-23-2012

@afbar1114 wrote:
@FrugalRican wrote:
Why are you so concerned about having a lower APR?
sometimes you cant always PIF each month...like if you needd to get something fixed or a big buy once cant always PIF.....i have decied to keep BBY since i have confiremed it will be sold to cap1 at some point and i have 1k limit on it.. and looking at your Discover card there has a big bal you wouldnt want a lower APR on a bal that big?

SOME ONE STOP ME I WANT TO GET A CLI ON KOHLS.. i need a suit for a weeding this year

Unfortunately, no one can stop you. Good luck on your Kohls CLI request.

Anonymous · ‎03-23-2012

@afbar1114 wrote:
@FrugalRican wrote:
Why are you so concerned about having a lower APR?
sometimes you cant always PIF each month...like if you needd to get something fixed or a big buy once cant always PIF.....i have decied to keep BBY since i have confiremed it will be sold to cap1 at some point and i have 1k limit on it.. and looking at your Discover card there has a big bal you wouldnt want a lower APR on a bal that big?

SOME ONE STOP ME I WANT TO GET A CLI ON KOHLS.. i need a suit for a weeding this year

If you keep apping next will come threads from you saying <CardName> Denied

Also more new accounts you get the less likely freedom or BCP will be approved.