Re: Garden Club Meeting - November 2012
11-11-2012 01:21 PM
I’m excited to finally be sporting a bronze spade. I reached one month app-free on November 1st. My last app was for the Amex Costco TE card on October 1st. My internal score with Amex must be pretty good now as I received their best terms and did not receive my EX Fico score (boo!). Really wish I lived in PA so I could join PSECU and get my EX Fico monthly. I checked my two FICO scores here at MyFICO today and I am now officially in the “FICO high achievers” club (yayyyy!) as my EQ is 761 and my TU is 790.
I managed to get a SP CLI to $8,000 (an increase of $6,700) on my Cap One Plat Visa. Yes, I know it’s Cap One, but it does have a decent interest rate of 12.14%, should I need it, that is. I’ve had the card for almost 9 years and now that the credit limit is respectable, I’ll keep it around.
Looking forward to trying for a 3x CLI on my Amex Optima card later this month. Trying to keep that in my mind while trying not to app for a Walmart card. I don’t need a Walmart card, but it is so tempting to get that free TU Fico score every month. Plus, I think they pull TU and I have no inquiries on TU and it’s virtually spotless except for 1 30-day late payment.
I must resist temptation!
FICOs: Walmart TU08 800 4/3/13; TU98 783 5/2/13; EQ 758 5/2/13; EX 741 (per US Bank 7/24/12)
My Wallet: Amex Gold NPSL w/Pay-Over-Time; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $4K; BofA Visa $10.1K; Cap1 Cash Rewards Visa Signature $8K; Chase Freedom MC $7.5K; Citi Simplicity Visa $10.9K; Discover $5K; US Bank Cash+ Visa Signature $20K; Walmart Discover $10K