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I'm a Very Bad Gardener!!! -- 2 New CC Approvals

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Regular Contributor

I'm a Very Bad Gardener!!! -- 2 New CC Approvals

So, if you followed my dilemma with Credit One, you know that they wanted me to go into debt in order to receive a $250 CLI. Instead of owing $270 for a CLI, I closed my Credit One account.  To replace the $950 CL of Credit One, I went onto Discover, was pre-qualified and decided to apply. I was approved for $12,000 for their cash back card at 5% cash back!! Yay me.

 

Then I started thinking, I should apply for one more card to offset the lower fico score hit I'm going to get. I remembered I had gotten a Citi AAdvantage MileUp offer in the mail. So, I decided to pull the trigger. I was approved for $9200. 

 

Now, I'm going to be gardening for the next 2 years.  Just a little background info: I'm rising from the ashes of a marriage and divorce that ruined my credit. Slowly, but surely, I'm getting a handle on my finances. If there is something I am considering to buy, I really think about whether I can pay off the charge before I buy it. I finally realized that having a credit card is NOT free money.

 

Credit Scores:

As of 11/18/18

EX -- FICO 8 Score: 718

TU -- FICO 8 Score: 717

EQ -- FICO 8 Score: 714

 

Scores January 2018

EX -- FIC0 8 Score: 656

TU -- FAK0   Score: 674

EQ -- FAKO   Score: 614

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Message 1 of 17
16 REPLIES 16
Valued Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

You are on a roll! Another great SL - huge congrats! Goodluck staying in the garden.😊
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 01/2020: EX 767 ✦ EQ 742 ✦ TU 757
Current FICO 9s | 01/2019: EX 774 ✦ EQ 776 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 2.11 years not incl. AU / 3.2 years incl. AU
My AoOA: 6.11 years not incl. AU / 8.11 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 17
Regular Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals


@thornback wrote:
You are on a roll! Another great SL - huge congrats! Goodluck staying in the garden.😊

No, in the garden I must stay. My plans are to age my accounts and prepare to buy a home in about 3 years.  I'm trying to build credit, while I keep the amount of my utilization down.  Right now, my credit card utilization is %1.  In a year, I will have paid off my car.  And I have student loans which I owe about $13, 400. I should have it paid off in 4 years. 

;



Message 3 of 17
Valued Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

Solid plan. I'm in the same boat right now- except for buying a home. Did a mini, 3-card spree late October after a full year of gardening. Now I'm back in the garden for another year+ as I put as large of a dent possible in my student loan debt.

Best of luck to you and again, congrats on your success.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 01/2020: EX 767 ✦ EQ 742 ✦ TU 757
Current FICO 9s | 01/2019: EX 774 ✦ EQ 776 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 2.11 years not incl. AU / 3.2 years incl. AU
My AoOA: 6.11 years not incl. AU / 8.11 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 17
Valued Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

Yay you....Smiley Happy...congrats on your 2 awesome approvals and NICE SL.

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 5 of 17
Regular Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

Congrats w both cc’s and sl woohoo!!!


Joined myFico community 9-15-18
FICO® Score 8 as of 01-2019
Total CL $56k


Message 6 of 17
Community Leader
Mega Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

Holy cow, from Credit One to Disco and Citi with huge sl, they should trademark you for those who want a Credit One lol. Thats insane but good for youSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 17
Frequent Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

Wonderful progress, and good call on pulling the trigger on that Citi!!! I thought I was having a good week pulling down $15.5k. You've exceeded that, and moving on from ScammerOne...I mean Credit One....! Excellent work!! 👌🏾

The Disco approval definitely got the juices flowing. While I do suggest grabbing an AMEX and letting them age together, if you don't already have one, just keep Inq and AAoA in mind, and try to stay in the garden!!! It is far easier said then done. 😬

06.2019

03.2018

NFCU CLOC: $15,000
Message 8 of 17
Valued Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

Congrats on your massive approvals and amazing job on the journey!!



Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 9 of 17
Community Leader
Senior Contributor

Re: I'm a Very Bad Gardener!!! -- 2 New CC Approvals

While big congrats are in order on your huge approvals for two no-joke cards, an even bigger high-five is due for putting a bullet in your Credit One account. That’s a triple win - way to go!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 10 of 17
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