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Did I fall out the Garden?

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youngandcreditwrthy
Senior Contributor

Re: Did I fall out the Garden?

I really don't need to use it... I maybe should charge something small and pif but I think I already lost out on the bonus. I cant even remember what the perks are... Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 11 of 25
JSS3
Valued Contributor

Re: Did I fall out the Garden?



@azguy13 wrote:

Thats aweome that the only negative effect will be on the AAoA and you wont have to worry about the inq. I am curious which others are like this. I am not in the market for a new card but it would be some good info.


The AAoA is even more dire for me since I'm down to 0yrs and 3 months due to app-ing for new cards in August and Sept. Gotten 7 new in total. I had 3 more cards that needed to report and now this; making it a total of 4. I seem to be losing a month for every new card. By my calculations, when the others report next month, I'll be down to 0yrs, 0months. Can't fall out the Garden again. My credit life depends on it. LOL

Message 12 of 25
azguy13
Senior Contributor

Re: Did I fall out the Garden?


@JSS3 wrote:

@azguy13 wrote:

Thats aweome that the only negative effect will be on the AAoA and you wont have to worry about the inq. I am curious which others are like this. I am not in the market for a new card but it would be some good info.


The AAoA is even more dire for me since I'm down to 0yrs and 3 months  since app-ing for new cards in August and Sept. I had 3 more cards that needed to report and now this; making it a total of 4. I seem to be losing a month for every new card. By my calculations, when the others report next month, I'll be down to 0yrs, 0months. Can't fall out the Garden again. My credit life depends on it. LOL


Lol, well at least once it hits 0 Years 0 Months you can only go up and don't have to sweat about it dropping anymore Smiley Very Happy

 

Mine just dropped below 3 years because of two new cards. It is worth it in the long run though.

 

Come back to the garden and party it up with us, lol.

Message 13 of 25
youngandcreditwrthy
Senior Contributor

Re: Did I fall out the Garden?

I've been in the garden a whopping two weeks. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 25
azguy13
Senior Contributor

Re: Did I fall out the Garden?


@youngandcreditwrthy wrote:
I've been in the garden a whopping two weeks. Lol

I'm at about a month and a week right now. Its nice not to app but it seems that ever since I joined the garden, all the adds online are for AMEX, lol

Message 15 of 25
JSS3
Valued Contributor

Re: Did I fall out the Garden?


@azguy13 wrote:

@JSS3 wrote:

@azguy13 wrote:

Thats aweome that the only negative effect will be on the AAoA and you wont have to worry about the inq. I am curious which others are like this. I am not in the market for a new card but it would be some good info.


The AAoA is even more dire for me since I'm down to 0yrs and 3 months  since app-ing for new cards in August and Sept. I had 3 more cards that needed to report and now this; making it a total of 4. I seem to be losing a month for every new card. By my calculations, when the others report next month, I'll be down to 0yrs, 0months. Can't fall out the Garden again. My credit life depends on it. LOL


Lol, well at least once it hits 0 Years 0 Months you can only go up and don't have to sweat about it dropping anymore Smiley Very Happy

 

Mine just dropped below 3 years because of two new cards. It is worth it in the long run though.

 

Come back to the garden and party it up with us, lol.


Exactly why I wanted these cards at the same time. For the reasons you listed as well as them dropping off my reports at the same time(those that required inquiries of course). 

 

With an AAoA of 0, I just feel I'm going to be in trouble with someone(ie one of my current cards). LOL

 

I've been able to run a good amount through all my cards so far and they've been paid back...well, all but Chase. They're going to get heavy payments in the next few months once they start billing me. Doing a pretty great job of rotating so far...if I must say so myself.

 

For the future, I don't see myself wanting many more...just a Chase Freedom, Citi Diamond, and Amex. Then I'd totally be done.

 

 

Message 16 of 25
JSS3
Valued Contributor

Re: Did I fall out the Garden?


@youngandcreditwrthy wrote:
I've been in the garden a whopping two weeks. Lol

I was just thinking how pitiful it was that I lasted all of 10 days in the Garden. Smiley Embarassed

Message 17 of 25
azguy13
Senior Contributor

Re: Did I fall out the Garden?

I lasted 2 days my first time, lol. So you did 500% better than me.

Message 18 of 25
JSS3
Valued Contributor

Re: Did I fall out the Garden?


@azguy13 wrote:

I lasted 2 days my first time, lol. So you did 500% better than me.


LOL!!!! That made me feel so much better! 

 

Houston, we have a serious problem!

Message 19 of 25
JSS3
Valued Contributor

Re: Did I fall out the Garden?

azguy13

 

You asked on the last page how you can get a card without the hard pull....you do know about the shopping cart trick, right?

Message 20 of 25
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