thank you all...

[LS2982]

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@afbar1114 wrote:
I needed hd last year but no longer need them... i would like to get forward before closing since citi is the bank... i also have srudent loans there..i would like a good set of cards to grow with for years to come.
I feel with citi... i should be good all prime cards

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How about I "takeover" that one for ya

[Anonymous]

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@afbar1114 wrote:
I needed hd last year but no longer need them... i would like to get forward before closing since citi is the bank... i also have srudent loans there..i would like a good set of cards to grow with for years to come.
I feel with citi... i should be good all prime cards

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I'm proud of you appbar.  If you need to take a break to focus and get your head back into the game, do it.  The best way to garden (at least in my experience) is to monitor it every once in a while (quarterly so you don't go crazy) and just let it do its thing.  Kind of like a mosquito bite.  If you leave it alone, it will heal well.  If you keep picking at it, it's going to leave a nasty scar.  Best of luck and I look forward to the day we can call you afbar.  

[afbar1114]

just to let you all know...my FICO score came from BoA today and it was an EX pull of 671..midnight i will no longer log on 

[LS2982]

Im gonna miss you appbar Jr. Im gonna carry on our garden dreams here just for you!

[afbar1114]

ill be back at some point i just need time because even tho i learned that cap1 was a subprime chase was prime. before this forum i though all banks were the same... i may never reconed BoA card and got it approved nor got my first ever prime card ZYNC!!!!  ETA: i dont want to leave on a bad note nor lie.. i did one last app for CITI forward student card...its being processed as of now dont know results yet... if i find out i will let you know detailes when i return... cant not hide anything from the myfico fam 

[LS2982]

@Appbar Jr.

I'm disappointed in you son. I thought you had more willpower then that!!

[afbar1114]

at least  i was honest haha...but hopefully i can get this card and will set me up for full gardening mode..

[ChesterPDexter]

I forget about this forum regularly and then I come back after a little while or a long while.  See you again, fellow credit improver! 

[LS2982]

@Appbar Jr. Yes you were! But when you took the car out the other night and said you didnt...you wasn't honest.......lol

[afbar1114]

is citi just as hard, harder, or not as hard as chase BoA and amex?