topic Thanks for all of your help! in Credit Cards

Thanks for all of your help!

lissa1184 — Sat, 01 Jun 2013 16:49:57 GMT

I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

Discover It

Lowes

Macys

Wal-mart

Paypal Mastercard

Barclays

US Bank

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

2 1st Premier

Orchard Bank * If Cap1 doesn't increase my limit

Continental

Re: Thanks for all of your help!

RSCo — Sat, 01 Jun 2013 17:15:52 GMT

@lissa1184 wrote:
I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

Discover It
Lowes
Macys
Wal-mart
Paypal Mastercard
Barclays
US Bank

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

2 1st Premier
Orchard Bank * If Cap1 doesn't increase my limit
Continental

Nice haul.. Congrats to you...

Re: Thanks for all of your help!

myjourney — Sat, 01 Jun 2013 17:22:05 GMT

@lissa1184 wrote:
I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

Discover It
Lowes
Macys
Wal-mart
Paypal Mastercard
Barclays
US Bank

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

2 1st Premier
Orchard Bank * If Cap1 doesn't increase my limit
Continental

Welcome to the forum

Congrats on the new cards and your rebuilding process bravo. I also noticed you joined the garden to grow those seedling WTG

Re: Thanks for all of your help!

Anonymous — Sat, 01 Jun 2013 17:28:09 GMT

Lot of cards with small limits. Try to get cli on those during your stay in garden. One year of good payment history would result in high CL on new card approvals.

Re: Thanks for all of your help!

Revelate — Sat, 01 Jun 2013 19:54:37 GMT

@Anonymous wrote:
Lot of cards with small limits. Try to get cli on those during your stay in garden. One year of good payment history would result in high CL on new card approvals.

Gotta start somewhere, and Walmart cards don't stay small for long if used correctly and then simply asking for some absurd limit apparently .

Welcome to the forums lissa!

You setup a decent number of diverse tradelines, that's a solid start and I highly applaud your decision to garden for a while as you continue to build your positive credit history. Absolutely fantastic progress so far!

Re: Thanks for all of your help!

lissa1184 — Sat, 01 Jun 2013 22:14:01 GMT

Thanks for all of your positive feedback.

Re: Thanks for all of your help!

lg8302ch — Sat, 01 Jun 2013 22:20:35 GMT

Congrats and see you in the garden ... time to pick up your seedling ?

Re: Thanks for all of your help!

FocusedAndDetermined — Sat, 01 Jun 2013 22:40:37 GMT

Well, haven't you done nicely?! Congrats! See you in the garden.

Re: Thanks for all of your help!

asphaltcowboy — Sun, 02 Jun 2013 01:50:59 GMT

Congrats on all your recent success and welcome to the garden party

Re: Thanks for all of your help!

lissa1184 — Sun, 02 Jun 2013 04:13:05 GMT

I've actually tried to place the link in my siggy but it does not show up.

Re: Thanks for all of your help!

Creditaddict — Sun, 02 Jun 2013 04:17:04 GMT

@lissa1184 wrote:
I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

Discover It
Lowes
Macys
Wal-mart
Paypal Mastercard
Barclays
US Bank

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

2 1st Premier
Orchard Bank * If Cap1 doesn't increase my limit
Continental

I wouldn't wait a second to close 2 1st premier and continental... you don't need to pay the fees... Who cares about age on new accounts... you have them... don't throw money at the banks that are for the only purpose you did... get better cards!

Congrats!

Re: Thanks for all of your help!

myjourney — Sun, 02 Jun 2013 04:18:11 GMT

@lissa1184 wrote:
I've actually tried to place the link in my siggy but it does not show up.

Our MOD came along later to help you but you were gone

We will get you help to add it to your sig

Re: Thanks for all of your help!

dodgerslv — Sun, 02 Jun 2013 04:27:33 GMT

@lissa1184 wrote:
I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

Discover It
Lowes
Macys
Wal-mart
Paypal Mastercard
Barclays
US Bank

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

2 1st Premier
Orchard Bank * If Cap1 doesn't increase my limit
Continental

Big Congrats on your great accomplishments lissa! As you probably know already, your GE backed cards (Paypal MC, Lowes, Walmart) can grow quickly so request a CLI every 4 months if you can. By the time you know it, all other prime lenders will come looking for you. I have learned alot here also so i know the feeling. It seems like a long journey but you see the light at the end of the tunnel...