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Garden Club - July 2018

Moderator

Re: Garden Club - July 2018


@Meanmchine wrote:

@UncleB wrote:

@Meanmchine wrote:

Happy July everyone

Its a new quarter so hopefully the Gods of Penfed are gonna smile on us


Oh, that's right... this is a new quarter; my poor Discover card will be able to come out again for restaurants!  Smiley Very Happy

 

(My Cash+ does 5% for most places I eat (fast food), but I prefer Discover when it's a restaurant quarter since I don't have to worry about if a places codes as fast food vs. restaurant.)


I didnt know there was a difference


Yep, there is for the Cash+.  Smiley Frustrated

 

Most of the places I frequent are coded as 'fast food' so it's really not an issue, but occasionally there's a surprise; for me it's my local Arby's, which uses the MCC for 'restaurants'. 

 

I have 'restaurants' set as my 2% category so it's not a big deal (pennies in my case), but with Discover they are both 5% so there's less to think about.  Smiley Happy

The Garden Club has moved to the Personal Finance board!


https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2018/td-p/5344990


 

Message 41 of 4,006
Community Leader
Valued Contributor

Re: Garden Club - July 2018


@Nylocal1 wrote:

Hi Everyone!

 

im a new seedling. Today is my first day in the garden.

 

I fell off the wagon yesterday after nearly a year of being app free. Yesterday I stumbled...I picked up 3 new cards totaling to 43k in new CL’s  Yesterday.

 

i think I’m addicted to credit. Not using it per se, but having large CL’s available to me. 

 

Anyway.. my garden goal is one year app free/hard pull free. I will have will power. I can do this!


Welcome, Nylocal1! Glad to have you aboard! I'm shooting for 1 year at 5.25.2019. We can do this! Smiley Happy


Current Scores------ EQ 681; TU 655; EX 684 FICO 08--- Gardening 5/25/18 to 5/25/19
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 42 of 4,006
Valued Contributor

Re: Garden Club - July 2018


@Bella007 wrote:

@Backwoods wrote:

For those who make it 6 months Long Island Tea all day long served in the corner on  the 4th


My 6 months will be November 25. Can I still play? 


You will have to write a presentation and present it about its good to atleast 6 months between apps.  

 

 

Message 43 of 4,006
Valued Contributor

Re: Garden Club - July 2018


@K-in-Boston wrote:

Word! BoA sent me a push notification that I had a new score. I hope this hasn’t dropped in the past 11 days.

1F0A1C30-F1CE-4CE4-949A-82D161F9B68A.jpeg

 

 

 


Fingers are set to the "crossed" position




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>9/2018 CCT EX 796 TU 809 EQ 801
You are only young once, but you can be immature forever
Message 44 of 4,006
Community Leader
Valued Contributor

Re: Garden Club - July 2018


@Backwoods wrote:

@Bella007 wrote:

@Backwoods wrote:

For those who make it 6 months Long Island Tea all day long served in the corner on  the 4th


My 6 months will be November 25. Can I still play? 


You will have to write a presentation and present it about its good to atleast 6 months between apps.  

 

 


Too much work. I can make my own Long Island Iced Tea! Smiley Happy


Current Scores------ EQ 681; TU 655; EX 684 FICO 08--- Gardening 5/25/18 to 5/25/19
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 45 of 4,006
Moderator

Re: Garden Club - July 2018


@Nylocal1 wrote:

Hi Everyone!

 

im a new seedling. Today is my first day in the garden.

 

I fell off the wagon yesterday after nearly a year of being app free. Yesterday I stumbled...I picked up 3 new cards totaling to 43k in new CL’s  Yesterday.

 

i think I’m addicted to credit. Not using it per se, but having large CL’s available to me. 

 

Anyway.. my garden goal is one year app free/hard pull free. I will have will power. I can do this!


Hi @Nylocal1, and welcome to myFICO! welcome.gif 

 

I have added the seedling to your signature for you.  Smiley Wink

 

We're a lively bunch (especially on the 1st of the month)... pull up a chair and stay a while!  Smiley Very Happy

 

--UB

The Garden Club has moved to the Personal Finance board!


https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2018/td-p/5344990


 

Message 46 of 4,006
Moderator

Re: Garden Club - July 2018


@K-in-Boston wrote:

Word! BoA sent me a push notification that I had a new score. I hope this hasn’t dropped in the past 11 days.

1F0A1C30-F1CE-4CE4-949A-82D161F9B68A.jpeg

 


Whoo-hoo!!  Great job!!  screamer.gif

The Garden Club has moved to the Personal Finance board!


https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2018/td-p/5344990


 

Message 47 of 4,006
Moderator

Re: Garden Club - July 2018


@Bella007 wrote:

@QCS123 wrote:

@Jago22 wrote:

i was still reading june when it changed lol 


I was too.  It was odd, we were on page 387 (or something) and even though it said last page it kept letting me click NEXT to the next page of posts, it did this for 3 pages but never changed the actual page number....so what was the final number of pages, was it correct?  Wondering since Uncle B was able to tell page numbers historically.

 

 


I got the first post of July by going to the Credit Cards forum and refreshing until I saw the July 2018 thread show up. I expect more competition next month! 


LOL... I'm glad I wasn't late this month!  Smiley Surprised  Smiley Tongue

 

(I wish I were smart enough to automate it, but so far I've not dropped the ball.)

The Garden Club has moved to the Personal Finance board!


https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2018/td-p/5344990


 

Message 48 of 4,006
Community Leader
Valued Contributor

Re: Garden Club - July 2018


@UncleB wrote:

@Bella007 wrote:

@QCS123 wrote:

@Jago22 wrote:

i was still reading june when it changed lol 


I was too.  It was odd, we were on page 387 (or something) and even though it said last page it kept letting me click NEXT to the next page of posts, it did this for 3 pages but never changed the actual page number....so what was the final number of pages, was it correct?  Wondering since Uncle B was able to tell page numbers historically.

 

 


I got the first post of July by going to the Credit Cards forum and refreshing until I saw the July 2018 thread show up. I expect more competition next month! 


LOL... I'm glad I wasn't late this month!  Smiley Surprised  Smiley Tongue

 

(I wish I were smart enough to automate it, but so far I've not dropped the ball.)


You were right on the money, UncleB! I kept thinking you might be a minute early, but right on the dot! Impressive! Smiley Happy


Current Scores------ EQ 681; TU 655; EX 684 FICO 08--- Gardening 5/25/18 to 5/25/19
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 49 of 4,006
Moderator

Re: Garden Club - July 2018


@Bella007 wrote:

@UncleB wrote:

@Bella007 wrote:

@QCS123 wrote:

@Jago22 wrote:

i was still reading june when it changed lol 


I was too.  It was odd, we were on page 387 (or something) and even though it said last page it kept letting me click NEXT to the next page of posts, it did this for 3 pages but never changed the actual page number....so what was the final number of pages, was it correct?  Wondering since Uncle B was able to tell page numbers historically.

 

 


I got the first post of July by going to the Credit Cards forum and refreshing until I saw the July 2018 thread show up. I expect more competition next month! 


LOL... I'm glad I wasn't late this month!  Smiley Surprised  Smiley Tongue

 

(I wish I were smart enough to automate it, but so far I've not dropped the ball.)


You were right on the money, UncleB! I kept thinking you might be a minute early, but right on the dot! Impressive! Smiley Happy


LOL... thanks!

 

I have to 'build' the post in another forum first with less-strict HTML edits, then 'move' it to the Credit Cards forum.  That's why it sometimes takes an extra minute (sometimes the system is slow with thread moves). 

 

I need the less-strict edits for the centering... for some reason, the edits don't allow centering to work correctly when posting in the public areas (but once posted elsewhere you can 'move' the post and the centering remains).

The Garden Club has moved to the Personal Finance board!


https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2018/td-p/5344990


 

Message 50 of 4,006