Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
Re: Garden Club Meeting - December 2012

ive been okay. 

i took the pre approval for greater gains since i knew once best buy reported my holiday shopping i wouldnt have gotten it, 

no new inquries but once the new account hits my aaoa will take a smaller hit. 

ill be pulling my reports in jan after i put in apps for costco amex that i will likely get denied for. (due to low aaoa)

 

now just to ask chase to match that limit and make my freedom a visa sig! from a 500 to 5000 yeah right in about 5 months. 

 

5k card with no inquiry is ok with me. 

 

back to the garden it is. 

 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
Re: Garden Club Meeting - December 2012

btw also tempted to app for amex but afraid of getting approved and not getting the year backdate... hmmm

 

most likely will see denied due to zync. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
Re: Garden Club Meeting - December 2012

6 more days and I will have been in the garden for 1 month!!!  WHOO HOO!!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
Re: Garden Club Meeting - December 2012

Still in the garden...have not app'd since February :smileysurprised: Still can't believe it's coming up on a year since I last applied for something --that's unheard of for me lol. 

 

Right now I'm waiting to start my career...just graduated a couple months ago. Once I get my career going I'm going to app for that elusive AMEX BCE and hopefully get a nice fat CL to go along with it. Other than that I'm probably just going to request some CLI's on some of my lower cards. I'm pretty content with the cards I have; all I want is that BCE. Might also try for a Green if it's only one pull, not sure yet. 

 

Hopefully in the next couple of months I can exit the garden...maybe at the 1 year mark! 

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Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009
Re: Garden Club Meeting - December 2012
Congrats to you floridastate12 on graduating and starting your career!

I will be starting Graduate school in January. Very excited :smileyhappy:
Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Regular Contributor
CotySinz
Posts: 237
Registered: ‎06-27-2011
Re: Garden Club Meeting - December 2012

Haha I joined the garden like 2 days ago and already have to start over decided to app for Amex BCE and was approved days after activating my Amex Green Charge and they used the same HP from the Green for the BCE approval - 2 cards 1 hp :smileyhappy:


Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
Re: Garden Club Meeting - December 2012

Unique620 wrote:
Congrats to you floridastate12 on graduating and starting your career!

I will be starting Graduate school in January. Very excited :smileyhappy:

Thanks! I'm excited...been having a little trouble finding a job I want. I think I'm being a little too picky. :smileytongue: But I have one in the works right now, so hopefully in the next couple weeks I'll know something. 

 

Congrats on grad school! I'll probably go back at some point and get my MBA, but for now I just had to take a break from school for a while. Good luck! 

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Valued Member
Fenerbahce
Posts: 40
Registered: ‎04-18-2008
Re: Garden Club Meeting - December 2012

Going in the garden myself...at least until the end of June 2013...that's when most of my inquiries will have fallen off. Realistically, I don't need any further credit for a long while, perhaps I should wait 2 years and not have any inquiries, that would be an excellent accomplishment for me :smileyhappy:

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Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012
Re: Garden Club Meeting - December 2012

I'm still in the garden too. No apps until mid2013 for a home. 

Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
Re: Garden Club Meeting - December 2012

Yesterday was one month in the garden for me! I feel satisfied since I obtained the Chase Freedom evern though it has a low cl. I have had a few rough times this month because I got a preapproval in the mail and one online. I sweated those out and did not cave into wanting instant gratification! *lol*

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*