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