Itinerary: Back to the Garden

wingennis · ‎02-10-2018

I stepped out of the garden briefly to pick up cards to meet my goals for the rest of the year and I know how much we love our DPs I cannot believe these approvals happened even though the Disco is already in my hand...

Discover Chrome: 9k @/16.24 no HP/soft pulls since I began using Scorecard 8/2017

USAA Cashback Rewards Plus Amex: 2.5k @17.99 no HP yet **EDIT** HP on Experian this morning

AMEX PRG: SP

EX 657, EQ 679, TU 651

AOOA 11.7/AAOA 2.8

3 paid CO due to fall off CR 2019, no other derogs

1% utlization, AZEO, auto loan

Time to scurry back to the corner of the garden farthest from the gate until December 2019.

Anonymous · ‎02-10-2018

Congrats on your approvals!

AverageJoesCredit · ‎02-10-2018

Awesome job wing

You are doing a wonderful job, we'll have,a nice cold one waiting for ya back at GC HQ

Anonymous · ‎02-10-2018

Congrats .So weird how discover liked you and me with our "average" scores and yet other people with similar profiles can only land $1k. Luck of the draw I guess .Sp for me as well .Used their scorecard since July.

wingennis · ‎02-11-2018

wrote:
Awesome job wing You are doing a wonderful job, we'll have,a nice cold one waiting for ya back at GC HQ

I am so ready to come back. These apps and approvals weren't fun...they were stressful. It used to be like playing the slots at a casino: just one more quarter. Now I keep worrying about the additional inquiries and drop of AAoA! I miss the garden. I'll pick up some more beer, Pepsi, and tacos on my way

wingennis · ‎02-11-2018

wrote:
Congrats .So weird how discover liked you and me with our "average" scores and yet other people with similar profiles can only land $1k. Luck of the draw I guess .Sp for me as well .Used their scorecard since July.

You are so right. I'm wondering if they get more information about spending habits by monitoring thier scorecard than by a single hard pull. Either way, I'm glad to be out of toy limit time-out I'm glad you got a good limit, too!

MartyWrite75 · ‎02-11-2018

Congrats on your recent approvals!

February 2025: Experian 779; Equifax 781; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,800 (Sock drawer) || Discover It: $15,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $18,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 5/2025(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Anonymous · ‎02-11-2018

So Discover has been approving new cards on a soft pull if you use Scorecard?

wingennis · ‎02-11-2018

wrote:
So Discover has been approving new cards on a soft pull if you use Scorecard?

I have absolutely no direct evidence of it but I was denied for the secured version just before I started using the Scorecard. I noticed on my EQ credit report that I have been SP since then. January I tried the prequal and was preapproved with the solid APR I got when I actually applied: increased scores, no new accounts or HP. I also read through all 100+ pages of the unOfficial Discover thread and anectdotally it seems that people with my range of scores with current toy limits on good accounts seem to be having good luck with approvals and SL. I am certain that I might possibly be correct.

AverageJoesCredit · ‎02-11-2018

Lol, you said Pepsi

Ps. I do like Pepsi, there are moments i cheat on coke, just dont tell her