Valued Contributor
injustifiiable
Posts: 1,846
Registered: ‎03-30-2012
Re: Garden Club Meeting - October 2012

I've been bad.

 

I bit on a couple pre-approvals with decent limits.

 

Here's what I'm working with:

 

  • Household: $400
  • CapOne: $500
  • CreditOne: $300 [Sock Drawer]
  • First Savings: $500 [Sock Drawer]
  • Show/Bryant State Bank: $500 [Sock Drawer]

The plan is to keep these till June 2013, when two of my three baddies fall off. I want to re-app for a Discover card and possibly Chase (if they pull EQ), probably in August 2013. Hopefuly at that point, I can get a limit at or above $1K.

 

 

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $2750
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012
Re: Garden Club Meeting - October 2012

injustifiiable wrote:


The plan is to keep these till June 2013, when two of my three baddies fall off. I want to re-app for a Discover card and possibly Chase (if they pull EQ), probably in August 2013. Hopefuly at that point, I can get a limit at or above $1K.

 

 


chase has pulled ex exclusively for me for the past 3 years. here in massachusetts. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
tcbofade
Posts: 2,043
Registered: ‎09-26-2011
Re: Garden Club Meeting - October 2012

Good morning boys and girls.

 

I'm still here, and still behaving myself.

 

My utilization isn't really dropping any yet...and inquiries continue to age...slowly...2010 wasn't bad, and 2012 hasn't been too awful, but I had a LOT of inq's in 2011 that are going to take a while to age off...

 

No real itch, just a bit bored...somebody pass me a Budweiser...


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Frequent Contributor
obageegee
Posts: 268
Registered: ‎09-30-2012
Re: Garden Club Meeting - October 2012

Bud passed




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011
Re: Garden Club Meeting - October 2012

obageegee wrote:

Bud passed


Can I get a yuengling? xD

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
RockinRay
Posts: 1,939
Registered: ‎08-13-2007
Re: Garden Club Meeting - October 2012

tcbofade wrote:

Good morning boys and girls.

 

I'm still here, and still behaving myself.

 

My utilization isn't really dropping any yet...and inquiries continue to age...slowly...2010 wasn't bad, and 2012 hasn't been too awful, but I had a LOT of inq's in 2011 that are going to take a while to age off...

 

No real itch, just a bit bored...somebody pass me a Budweiser...


No comments today!  :smileyhappy:

 

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
tcbofade
Posts: 2,043
Registered: ‎09-26-2011
Re: Garden Club Meeting - October 2012

RockinRay wrote:

tcbofade wrote:

Good morning boys and girls.

 

I'm still here, and still behaving myself.

 

My utilization isn't really dropping any yet...and inquiries continue to age...slowly...2010 wasn't bad, and 2012 hasn't been too awful, but I had a LOT of inq's in 2011 that are going to take a while to age off...

 

No real itch, just a bit bored...somebody pass me a Budweiser...


No comments today!  :smileyhappy:

 


That's probably a good thing...  :smileytongue:

 


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Valued Contributor
RockinRay
Posts: 1,939
Registered: ‎08-13-2007
Re: Garden Club Meeting - October 2012

tcbofade wrote:

RockinRay wrote:

tcbofade wrote:

Good morning boys and girls.

 

I'm still here, and still behaving myself.

 

My utilization isn't really dropping any yet...and inquiries continue to age...slowly...2010 wasn't bad, and 2012 hasn't been too awful, but I had a LOT of inq's in 2011 that are going to take a while to age off...

 

No real itch, just a bit bored...somebody pass me a Budweiser...


No comments today!  :smileyhappy:

 


That's probably a good thing...  :smileytongue:

 


:smileyhappy: Don't ya just hate people like me - that always bug you! :smileyhappy:

 

Ray

** Every Card has a Job, and Every Card does its Job **

New Contributor
MyCreditSucksTheMost
Posts: 84
Registered: ‎08-13-2012
Re: Garden Club Meeting - October 2012

After only 50 days with my walmart card they doubled my limit to $1000. I'm so excited, this will cure my app itch for awhile.

 

So, I will continue to garden, and grow...




Staring Scores:Transunion-636 Equifax-618 Experian- 640 (8/12):
Current Scores:Transunion-717 Equifax-(?) Experian 726(as of 11/18/13):

Goal 760 Across the Board:







Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012
Re: Garden Club Meeting - October 2012

10/11/12 will mark my 6 months of gardening. I'm prepping for my app spree of 3 cards. Only a few days left!!

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$2000

EQ FICO - 742
TU FICO - 730
EX FICO(AMEX) - 712