Re: Garden Club Meeting - October 2012

maiden_girl · ‎12-29-2011

Left the garden early this morning for an app...hence my signature. LMAO. I don't feel bad about it. Probably b/c I really wanted the card...and it was approved with a generous credit line! Haha!

The truth is out there...

jm00ser · ‎07-11-2012

Been getting the itch lately... almost gave in to a CLI request that I don't need! but holding strong!

Waiting to see what happens to zync holders if we'll have to apply for something else. If this is the case, BCE/BCP in Jan if I want a revolver, or a different charge product.

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 0/1.5k (7\06)
Citi Thank You World MC 3350/7.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 400/3.8k (9/11); Chase Southwest RR Premier Visa Signature 3550/10.7k (6/12); Discover It 175/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)

codimom · ‎09-08-2010

Still here, impatiently waiting for my scores to grow...

Back in the garden!
App free since 23Oct2012

DaveSignal · ‎07-29-2011

My scores are dropping slightly due to BoA reporting out-of-cycle, causing my util to jump a bit since I have been buying some expensive stuff recently to furnish my new apartment. Oh well. I don't need perfect scores at the moment as I don't have any new credit lines I am planning on opening anytime soon. I am just sitting here in my garden, where I have been for the last 78 days. This bronze spade is becoming worn down.

FICO Scores: EQ:688 TU:695 EX:706

Gripping a Gloriously Gold Spade!

Gardening: NFCU nRewards $14k - USAA Rewards $4.5k - SDFCU Flexpoints EMV Chip+PIN $5k - BoA Travel Rewards EMV $4.5k

somnipotent · ‎06-02-2008

Jumping in the garden. Got my CSP (yay) and tried for a AMEX BCP (failed). Done for quite some time. Just SP CLI for now.

cp94550 · ‎11-05-2011

I'm back in the garden after purchasing a new car this weekend. Had been gardening since February. Now that I got approved on an auto loan at 4.49% with my low score I want to app like crazy to see what else I could get, but I must garden as I'm convinced the auto loan gods were feeling mighty generous when they approved me.

Starting Score: 560 on 11/1/11
Current Score: 578 on 10/04/12
Goal Score: 650 for starters
Take the FICO Fitness Challenge

DesertLife · ‎07-09-2012

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.

Starting Score: EX: 717 (BoA app 1/13) EQ Beacon 5.0: 723 TU98: 732 (12/12)
Current Score: EX: 717 (BoA app 1/13) EQ FICO: 726 (4/13) TU98: 732 (12/12)
Goal Score: All 750+
Cards: USAA Amex 11; Chase Sapphire Pref. 6.4; Amex BCP 20.6; PenFed Plat.Rewards 7.5; Chase Ink Bold 9; Citi AAdvantage Plat.VisaSig. 4; AlaskaAir Visa.Sig. 5.

tinuviel · ‎11-02-2010

DesertLife wrote:
Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.

Congrats on your shiny, new spade, as well as your wonderful CLI!

Bananaweizen... hmm... this is the first time that I've heard of it. Sounds interesting.

Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k

mistabgeez · ‎06-27-2012

Posted up, silver spade on deck. Just biding my time...with this drink in my hand.

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $3500
M & T Visa $2500 CU Visa $2500 Walmart $1400

creditnocash · ‎07-23-2012

can we pretend we're in the movie click. and im fast forwarding until all my inq fall of my report! ill only be 23 and 2 months.

that would be awesome.

i have a feeling ill be in 740/750 range when they all fall off!

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000