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: TU08 808 10/3/13 per Wally; TU98 786 11/21/13; EQ 767 11/25/13; EX 792 11/25/13 per MyFICO
My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $8K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $13.4K; Discover IT $20K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K