Frequent Contributor
bluesnowman
Posts: 462
Registered: ‎10-29-2012
Re: Garden Club Meeting - November 2012

I am going into the Garden as well. This year I have been approved for the Amex PRG, BOFA Cash Rewards, Citi Forward, and Discover More. I am planning to stay in the garden until may (my birthday month...lol). And then I plan to apply for the Chase Freedom, BCE, and Delta Card. Then garden again for a while or until my income improves. But so far so good credit wise!

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 1.5k. 10/27/12. Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Established Contributor
thankfulheart
Posts: 618
Registered: ‎09-26-2011
Re: Garden Club Meeting - November 2012

What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! :smileyvery-happy:  I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa.  Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.

 

Thanks to the Garden Club for helping me keep on track!

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Regular Contributor
gijoe4500
Posts: 231
Registered: ‎05-12-2010
Re: Garden Club Meeting - November 2012

Today is day 90 to be app free.  I earned that silver spade today.  Piece of cake.  Next will be gold.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


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Frequent Contributor
ihatemyscore
Posts: 283
Registered: ‎02-05-2012
Re: Garden Club Meeting - November 2012

Ladies/Gentlemen,

 

I have about 20+ inquiries on each report, due to my lack of knowledge before myfico and the ultimate itch of filling out an application hoping for an approval! But I have built up my mental strength and ready to endure 24 months of NO APPING! 

 

My credit profile looks like this for now: BK7 Discharged June 2012,

Orchard(CAP1) : 113/300

Cap1 secured 150/200 

First primier 0/300

auto loan: 5k soon to PIF intrest is way to high!

 

Cap 1 Authorized user: 0/500 

 

All positive tradelines with all negative accounts in IIB status and one charge off from cap1 that will fall off 2016.

 

I know I need to pay down my balances asap and I am! Once my balances are all PIF i will start depositing 100 a month to my secured cap1 card so I can build upto a 3k balance so when I have 0 inquiries in 24 months I will look like I am in alot better shape than I am now. Any recommendations from the vets?

 

I will be canceling first primier when the 1st yr is up to avoid the annual fee and any additional fees and I suspect by then I will have built my cap1 secured to atleast 1000 dollars. I don't see why it should hurt me if I keep orchard open at a 0 balance and build my cap1 secured as well stay as a authorized user on my girlfriends cap1 which never carries a balance if it does it's PIF before statement cuts. I will be gardening my orchard and cap1 secured, I know it's not much but and I probably wont go too far with orchard but its okay because I know in 24 months when my cap1 is at its 3k limit I will be approved for some pretty good cards.. it will be 2 yrs post bankruptcy and 2 yrs of ontime payments on 3 cards.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011
Re: Garden Club Meeting - November 2012

thankfulheart wrote:

What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! :smileyvery-happy:  I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa.  Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.

 

Thanks to the Garden Club for helping me keep on track!


Congrats on your new shiney bronze spade! 

 

FYI, gifts from Santa are real!  Yesterday I came home and there was a box from amazon, I opened it and there was a couple of items (Kindle Fire acessories) that I didn't order. The receipt inside said (A gift from Holly Lane)

 

I called Amazon (because I knew no one that would send me a gift via Amazon) they said it was a mix up but it would be easier for me to just keep the items.  So... for those of you who were wondering.  Santa is real, and he lives on Holly Lane :smileyhappy:


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010
Re: Garden Club Meeting - November 2012

thankfulheart wrote:

What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! :smileyvery-happy:  I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa.  Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.

 

Thanks to the Garden Club for helping me keep on track!


Congrats -- keep up the good work! :smileyhappy:

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010
Re: Garden Club Meeting - November 2012

gijoe4500 wrote:

Today is day 90 to be app free.  I earned that silver spade today.  Piece of cake.  Next will be gold.


 

Yay!!! Nice going!!! :smileyhappy:

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012
Re: Garden Club Meeting - November 2012

jennylocha wrote:

Epcot did you at least get the card after scratching that itch? And what card was it that had such a powerful hold?! LOL!


I did get it! It was the Chase Disney card. I got denied early in the year due to high util. So I paid down my debt and tried again. So happy. The family is made up of annual passholders so we do go there alot! :smileyhappy:


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
Re: Garden Club Meeting - November 2012

Been a month now, I'm sure.

Was worth taking the hit for a $400 statement credit and an additonal tradeline and what will be my only Mastercard in a few months.

 

But, back into the garden I go.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011
Re: Garden Club Meeting - November 2012

gijoe4500 wrote:

Today is day 90 to be app free.  I earned that silver spade today.  Piece of cake.  Next will be gold.


Congrats on the silver spade!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge