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Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

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JM427
Contributor
‎11-17-2022 11:18 AM
‎11-17-2022 11:18 AM

Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

As the subject say's, I am a terrible gardner.  I made it 4 months...  Apped for the Paypal MC and was approved for $3500, pulled TU and my Fico 8 was 675.  After that, I figured, why not one more inq. on EQ so I apped for the Pen Fed Power Cash Rewards and was approved for $3500 also, EQ Fico 9 was at 690.  Guess I will try to beat my last stint in the garden now.

FICO8 Scores as of 2020 JULY 14:



FICO 8 Scores as of 2022 JULY 3:


FICO 9 Scores as of 2022 JULY 3:
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11 REPLIES 11
M_Smart007
Legendary Contributor
‎11-17-2022 11:23 AM
‎11-17-2022 11:23 AM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

Congrats on your Approvals!

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SUPERSQUID
Valued Contributor
‎11-17-2022 12:19 PM
‎11-17-2022 12:19 PM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

CONGRATS!!!!!

Its hard to garden seriously when you read this approval part of the forum regularly.

CANT KEEP MY MIND ON GARDENING WITH ALL THESE APPROVALSCANT KEEP MY MIND ON GARDENING WITH ALL THESE APPROVALS

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 3 of 12
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coreyb80
Super Contributor
‎11-17-2022 12:27 PM
‎11-17-2022 12:27 PM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

Congrats on the approvals!

Message 4 of 12
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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎11-17-2022 12:33 PM
‎11-17-2022 12:33 PM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

Congratulations on your approvals!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 12
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CreditCharmer
Regular Contributor
‎11-18-2022 08:02 AM
‎11-18-2022 08:02 AM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

@SUPERSQUID wrote:

CONGRATS!!!!!

Its hard to garden seriously when you read this approval part of the forum regularly.

CANT KEEP MY MIND ON GARDENING WITH ALL THESE APPROVALSCANT KEEP MY MIND ON GARDENING WITH ALL THESE APPROVALS

This picture......too funny.   Lol  

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


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CreditCharmer
Regular Contributor
‎11-18-2022 08:04 AM
‎11-18-2022 08:04 AM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

Congratulations on your Approvals and per my Siggy, I'm always Begrudgingly gardening.  

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


Message 7 of 12
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cashorcharge
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎11-18-2022 08:50 AM
‎11-18-2022 08:50 AM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

WooHoo!! Congratulations on all your Approvals!!👏🏼🍾🥂

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CYBERSAM
Senior Contributor
‎11-18-2022 10:00 AM
‎11-18-2022 10:00 AM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

Congrats on your approvals! 🤑👍👍

Some people like to grow the garden and some like to mow it! 🌱🚜







                
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outofcredit
Established Contributor
‎11-18-2022 02:24 PM
‎11-18-2022 02:24 PM

Re: Terrible Gardner! Paypal MC and Pen Fed Power Cash Rewards Approval

Congrats on your PPMC and PCR approvals!  I'm from the Midwest and adhere to their gardening season...April to October, after then it's time to reap the harvest!!


Instead of waiting for the storm to pass, I've learned to dance in the rain.
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