Very nice congrats! I'm curious what your scores will be when the dust from your app spree settles down. Then again, it's nothing two more years in the garden can't fix! You can do two years in the garden standing on your head! Lol
Congrats again, enjoy your vacation!
Congrats, as soon as my mortgage starts reporting I intend to garden for 12 months minimal. I may even garden until I am back to 0 inquries too. I really want the US bank cash+ card, apped for it last week. And I would love the fidelity visa card as well. I have a fidelity account and am looking for a true 2% cash back card that I can just dump it all into my IRA.
If I get the Cash+ i'll start gardening, if not I'll app for the Fidelity. Let us know how the app goes.
I am a full blown forum stalker but decided to post results for data points.
0 inquiries (just gardened 2 years)
1% utilization / 200k available credit
20k in student loans / no car loan / no morgage
$65,000 annual income
What I applied for / why / results
Citi Simplicity because of 21 month 0% apr, planning big summer vacation $7600 SL
Blispay because $199 financing and possible hidden trade line $10,000 SL
Penfed because I wanted a PLOC requested 25,000 conditionally approved pending 2 pay stub review
Since I applied to penfed I applied for their signature visa and was approved $14,000 SL
Applied for a 25,000 PLOC at my local credit union where I do my banking they will probably counter - they are tight
Sam's club mastercard because I love sams and have had a membership for a year $8000 SL
Fidelity Visa because I have a fidelity account and saw people getting some good SL, got 7-10 business day notice
Took the hint and quit
Back to the garden.
Great inspiration for gardening. Congrats on your patience in the garden and your success with App spree.
|Total CL: $314.7k||UTL: 2%||AAoA: 6.8yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|