After garden APPROVALS!

[Rmullens2208]

So After spending what felt like eternity not doing any applying and cleaning some stuff up with the big 3 I decided it was time to pull the trigger on some keeper cards I applied for 8 cards 3 were given the 7 to 10 days and 2 were INSTANT approvals! 3 DENIALS

Discover it miles 7 to 10 days (fingers Crossed)

Citi Costco Visa (7 to 10) got a good feeling about this! 

Capital one Venture (7 to 10) actually I believe this was a 30 days message

SURGE MASTERCARD (INSTANT APPROVAL 500$) CELABRATION TIME COME ON!

Sam's club credit ( 300$) low limit I no backdoor here I go!

Chase Amazon prime ( denied )

Wells Fargo Cash Wise (denied)

Stats

EQ 642

Ex 638

TU 647

To many inqs to count but working on this

AAOA ck says 1.3 years Experian says 4 years

Some good ol medical collections  I haven't yet bothered with A late payment or 7 in the last 24 months 89% UTI (I pay twice the minimum) any other suggestions before I hang it up for another few months?

[AllZero]

Congratulations on your approvals!

[Anonymous]

I think you'll see a big score jump if you get your uti below 29% and then below 9%, and then again if you employ the AZEO method. Otherwise, congrats on your approvals. Good luck!

[Rmullens2208]

Thank you to the community these approvals were not even possible a few months ago now here we are my dream card is the platinum Amex so hopefully next month or so I can nail it!

[Jnbmom]

How long were you in the garden? I recall you posting just in February about applying for alot of cards and getting denials? 3 months is a start but I think you should have waited for a little more time and held out for better cards than Surge? You really should let the accounts you have age as suggested previously .

Honestly I don't think Citi is going to approve with that score.

[Rmullens2208]

What's a good amount of time to garden then in your opinion man it's so hard cus the thrill!

[Jnbmom]

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@Rmullens2208 wrote:

What's a good amount of time to garden then in your opinion man it's so hard cus the thrill!

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Atleast 6 months, but preferably 12 months.

[Rmullens2208]

Wow I don't understand how I can see members signatures with like 60+ cards yet if they garden for 6 months to a year how can they amass that warchest?

[Jnbmom]

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@Rmullens2208 wrote:

Wow I don't understand how I can see members signatures with like 60+ cards yet if they garden for 6 months to a year how can they amass that warchest?

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Because these member have have strong profiles to begin with so they can get a handfull of cards and then garden, rinse and repeat.

[CreditAggie]

Congratulations on your approvals!