Frequent Contributor
Posts: 495
Registered: ‎06-04-2011
Re: Garden Club Meeting - November 2012

BearsAndTurtlesRtheBest wrote:

How od you get th seed icon? and how do i join?

Hi can copy the seedling code from tinu's original post on this thread. Then go to your settings and add it to your signature. As for joining, you just come on in! Everyone is welcome. There is no process :-)
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
Re: Garden Club Meeting - November 2012
[ Edited ]

testing out my spade Smiley Happy

been lurking in the garden but haven't posted too much. 


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Frequent Contributor
Posts: 385
Registered: ‎02-06-2009
Re: Garden Club Meeting - November 2012

Joining the garden for the first time.


Went on a 4-card app spree last week and got them all. Caused major damage to my AAoA, down from 8 years to 4 years. However, I gain the following:

  1. 3% cashback on GAS
  2. 2% cashback on EVERYTHING
  3. TRIPLE POINTS on Amazon purchases
  4. Free monthly TU08 FICO score

I plan on staying in the garden for a long while Smiley Happy

09/12/2015 - EX 800 (American Express EX FICO® Score 8, range 300-850)
09/20/2015 - TU 810 (Discover TU FICO® Score 8, range 300-850)
08/25/2015 - EQ 796 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 05/18/2015
Super Contributor
Posts: 6,482
Registered: ‎12-11-2011
Re: Garden Club Meeting - November 2012
Still here ....will be 3 months in the 7th :-) new spade time
Regular Contributor
Posts: 156
Registered: ‎07-11-2012
Re: Garden Club Meeting - November 2012

Still holding strong. Had another fam emergency last week... so balances had to go up. Thank goodness for credit! Delays payoffs a few months, but life happens!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
Re: Garden Club Meeting - November 2012

I'm here... No wants, no needs.


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

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: Garden Club Meeting - November 2012
[ Edited ]

Lost my sweet bling, no more platinum spade, but I have my first GE card, so I'm plenty happy with the result.  Dropping by to pick up my seedling.


FYI for those trying to get the seedling code, the URL is shortened in the first post, you need to follow that URL and edit it in the code to put the FULL URL in your signature in place of the shortened one.


  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
Re: Garden Club Meeting - November 2012

App free since October 12th!


Man it's hard!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

Established Contributor
Posts: 599
Registered: ‎03-10-2012
Re: Garden Club Meeting - November 2012

left the garden to get 2 HP clis from BOA (3k to 6K, was tied for my third highest and now my highest) and discover (1K to 3.5K, was my only sub 3K bank card) on the 30th and 31st. My total availabe credit has nearly tripled from when my oldest accounts hit 1 year in august. Now im in the Garden again until february when i will go for an AMEX revolver. I always thought id go for BCE, but now im wondering if i wont go for one of the hotel cards.


After that nothing until later in Spring, because i have inqs galore from Feb-April of this year (3 on exp, 7 on EQ, 6 on TU). After those age off a year, i should see a decent bump from no new accounts under 6 mos, multiple accounts crossing the 12 month line, and 3 or fewer inq in the last 12 months on each report. I am chasing a profile worthy of the US Bank Cash+. After that i'll probably be done with credit cards for a few years except for some amazing offers like the BOA 300(they even had 400 this summer) cashback  for 500 spend.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
Re: Garden Club Meeting - November 2012

I'm in Smiley Happy  Renegotiating terms and credit limits on my existing cards now.  Watching 'em grow for the next 6 months!

AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
Homeowner since 05/29/13