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I am finally gardening!!!!
Got some good cards while i was on a long app spree:
My approvals:
Citi AAdvantage Platinum Select $7,000
Chase Sapphire Preferred $5000
Discover IT Cashback Card $3500
Barclays Jetblue $3000
Overstock Store Card $2100
Macys Store Card $800
Walmart Store Card $600
Home Depot $500 (BOOOOO!!!)
American Express Everyday $500
American Express PRG NPSL (had it up to $3400)
What I missed out on:
Bank of America Alaska Airlines
Chase United Mileage Plus Explorer
Wells Fargo Cash Wise
Comenity Total Rewards VISA
Lowe's (but yet i get walmart? smh)
American Express Business Gold Rewards
HSBC World Permiere Mastercard
Penfed Gold Visa
Im fine with the denials except for Chase Mileage Plus (I use United A LOT) and the Amex Business Gold Rewards. I have some high util so its pay down time and garden until January. **bleep** chase and their 5/24 will keep me in the garden longer, but at least come Jan I can try for Amex business card.
Heres an idea of my profile if it helps:
6 lates on mortage, been current now for 8 months
6 lates on vehicle, been current now for 8 months
3 lates on one credit card, been current for 11 months
1 paid collection, Portfolio Recovery (im planning on complaint with CFPB, seems like only way to get it removed!!)
1 paid charge-off, Raymour Flannigan (it was paid direct to them, they list it as charge-off but put in the notes paid, SMH!!)
My FICO score bobs around 660-690 EQ, 630-660 TR (I hate them, they take forever to update) and 640-685 EX.
My AAOA is horrible now, like between 1 year and 1 month and inquires are around 10-14, however I did purchase a new car.
With pay down and time im hoping to reach 700 on EX and EQ by Jan-2018.
I am a seedling and proud of it LOL!!!
Congrats on your success, @Anonymous!
Note: I moved your post here since we're not supposed to discuss apps and approvals in the Garden Club thread.
P.S. If you would like a seedling added to your siggy let me know and I'll add it for you.
Congratulations on your approvals. Enjoy.
@UncleB wrote:Congrats on your success, @Anonymous!
Note: I moved your post here since we're not supposed to discuss apps and approvals in the Garden Club thread.
P.S. If you would like a seedling added to your siggy let me know and I'll add it for you.
Awesome! A bonified approval right smack in the garden thread.
Anyway CONGRATULATIONS! on the App Spree and results!
That Citicards approval popped right out to me. Yowza!
@Anonymous wrote:I am finally gardening!!!!
Heres an idea of my profile if it helps:
6 lates on mortage, been current now for 8 months
6 lates on vehicle, been current now for 8 months
3 lates on one credit card, been current for 11 months
1 paid collection, Portfolio Recovery (im planning on complaint with CFPB, seems like only way to get it removed!!)
1 paid charge-off, Raymour Flannigan (it was paid direct to them, they list it as charge-off but put in the notes paid, SMH!!)
My FICO score bobs around 660-690 EQ, 630-660 TR (I hate them, they take forever to update) and 640-685 EX.
My AAOA is horrible now, like between 1 year and 1 month and inquires are around 10-14, however I did purchase a new car.
With pay down and time im hoping to reach 700 on EX and EQ by Jan-2018.
I am a seedling and proud of it LOL!!!
Just wonder how you have so many baddies. You better not to run more late, now that you get more cards.
Congrats! Now time to garden
Does your Discover It have the double cash back the first year?
If so, you need to MAX out those 5% categories, it can be a nice credit to your account next year. I love knowing I have been getting 10% back this year on many purchases.
Wow, now that's what I call a spree! Congrats on the approvals and the denials, well they can suck it! JK! Once you let your accounts age, and you get those baddies off your reports, you'll be sitting pretty and if you should go on another spree (not something I would recommend mind you) you won't have so many denials. Good luck!