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A step out of the Garden

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

A step out of the Garden

I took a planned step out of the garden this morning.

 

Approved for:

 

Barclay's Uber Visa - SL 10K

US Bank Cash + - SL $20K  I was really suprised about this limit given that USB has been known to be stingy with limits.

FNBO Ducks Unlimited - SL $5.7K

 

So my new cash back strategy is:

Gas - 5% on Ducks Unlimited

Utilities and Cell Phone - 5% on Cash+

Amazon Purchases - 5% on Chase Amazon Prime Visa

Dining - 4% on Uber

Travel; -  3% on Uber

Grocery - 3% on BCE

Rotating Catagories - 5% on Discover

General Spend - 2% on Citi Dc

 

Kids are au on Cap One QS so I get 1.5% back on their usage otherwise QS is sock drawered.

 

I will not be under 5/24 until 2/20.

 


FICO 8 Starting Score

Current Scores






Message 1 of 19
18 REPLIES 18
Contributor

Re: A step out of the Garden

Wow! Those are some amazing SL approvals! Congratulations! Now come back to the garden and teach me the ways Smiley Happy
Gardening till 12/2019!




Message 2 of 19
Valued Contributor

Re: A step out of the Garden

That is a pretty sweet US Bank approval.. kudos to you!



;
Message 3 of 19
Moderator

Re: A step out of the Garden


@MakingProgress wrote:

I took a planned step out of the garden this morning.

 

Approved for:

 

Barclay's Uber Visa - SL 10K

US Bank Cash + - SL $20K  I was really suprised about this limit given that USB has been known to be stingy with limits.

FNBO Ducks Unlimited - SL $5.7K

 

So my new cash back strategy is:

Gas - 5% on Ducks Unlimited

Utilities and Cell Phone - 5% on Cash+

Amazon Purchases - 5% on Chase Amazon Prime Visa

Dining - 4% on Uber

Travel; -  3% on Uber

Grocery - 3% on BCE

Rotating Catagories - 5% on Discover

General Spend - 2% on Citi Dc

 

Kids are au on Cap One QS so I get 1.5% back on their usage otherwise QS is sock drawered.

 

I will not be under 5/24 until 2/20.

 


I always say if you're going to step out of the Garden, make it count... and you certainly did!  Smiley Very Happy

 

Great job, my friend!  screamer.gif

 

puppyboss.jpg

Message 4 of 19
Valued Contributor

Re: A step out of the Garden

Congrats on the approvals! I've been looking into the Ducks Unlimited card myself but with the rotating categories between Discover and Chase, I havn't found it to be necessary yet.


Scores - All bureaus 750 +/-
TCL - Est. $250K
Message 5 of 19
Valued Contributor

Re: A step out of the Garden

With approvals like that, I might actually call USB Smiley Very Happy

Oh yeah, I almost forgot, CONGRATULATIONS!!!



FICO 8 Scores (2/11/19) | Equifax: 767 | TransUnion: 751 | Experian: 752 | Goal: CSR. I'll get you my pretty!
Gardening Since: 4/8/18 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 6 of 19
Moderator

Re: A step out of the Garden

Congrats!!!  Gardening works or something.  Seriously impressed with the US Bank approval and glad you didn't need to call for a 30x or 40x CLI upon activation like some of us.

Message 7 of 19
Community Leader
Super Contributor

Re: A step out of the Garden

Congrats on your three new cards! That should optimize quite nicely with your rewards strategy.

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 8 of 19
Valued Contributor

Re: A step out of the Garden

Congratulations! Those are excellent reasons to setp out of the garden.

Total CL is now over $600K. That includes a $37 Auto-CLI on my Cathay Pacific Signature Visa on 3/7/19!
Message 9 of 19
Valued Contributor

Re: A step out of the Garden

That’s an epic haul of cards, congrats!



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 10 of 19