@dabrian wrote:App free since 9/28/12 and plan on staying that way until probably March when I plan on applying at Penfed if my scores are where I think they will be.
Congrats! Seems like you have earned your bronze spade. Feel free to add it to your signature. To modify your signatue, go to the "My Settings" button. Then copy and paste the code for the graphic that appears in the first post of this thread. My instructions are not that great, feel free to post if you need additional help.
Best of Luck!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@j_casteel wrote:left the garden to join NFCU and app for the cashRewards card....hope it pans out for me!!
Seems like it worked out very well for you! Congrats and welcome back to the Garden Club!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Well this gardening thing is fun tending to my beautiful flowers.
I just had my JCP triple in size from 500 to 1500 with just a phone call 
Yea this club is working out swell!
So I also called Macy's for an increase and the rep told me that it would be an HP. I asked her if she was sure about that and then I quickly had second thoughts. I didn't want to risk any HP's so I just told her no thanks. I was bummed becasue I was on a roll after getting the increase from JCP.
I also tried for a Wally increase and the U/W told me no, but I did the request for Wally at the same time I did JCP on the same call. Perhaps I shouldn't have done that and just called back to get another U/W. They did an SP on TU. Anyone else have any success hanging up and calling back?
@Rhaeny wrote:So I also called Macy's for an increase and the rep told me that it would be an HP. I asked her if she was sure about that and then I quickly had second thoughts. I didn't want to risk any HP's so I just told her no thanks. I was bummed becasue I was on a roll after getting the increase from JCP.
I also tried for a Wally increase and the U/W told me no, but I did the request for Wally at the same time I did JCP on the same call. Perhaps I shouldn't have done that and just called back to get another U/W. They did an SP on TU. Anyone else have any success hanging up and calling back?
Not sure about hanging up and calling back. I call u/w to get my walmart to 5k. I tried another u/w for paypal extras mc, no go, I will wait 4 months and try again on paypal.
I love gardening and all the SP CLI.
Stepping out in Jan for Amex BCE to get maximum backdating. 
@Rhaeny wrote:Well this gardening thing is fun tending to my beautiful flowers.
I just had my JCP triple in size from 500 to 1500 with just a phone call
Yea this club is working out swell!
Congrats Rheany, nice work! Gotta love GE!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Woohoo!
Success Again!!!
Just got another increase with Macy's!
The first phone call I made the lady said well I will have to pull your report. I then told her that I didn't want any hard pulls so I will only move forward if it didn't involve a hard pull. I would agree to only a soft. She said well I'm sorry but all increases come with a hard pull. I told her no thanks.
Then I started thinking about the fact that I know I have read that people get increases with Macy's with a soft pull. So I decided to try another route. I logged into my Macy's CC account and initiated a chat session. I explained to the lady the same thing, that I wanted an increase that didn't involve any hards, only softs. I explained to her that since this account was relatively new and that I was "tending to my credit", and that those inquiries can really hurt your scores, that I didn't want a hard.
She said okay well I may not even need to pull a report. I said okay well if you get to the point that you need a report can you please stop. She agreed and bamm! She said I have just increase your limit to 1300! I was stoked!
Not a huge amount but every little bit counts so I am happy!
So yea I went from 900 to 1300
Gardening is soooooo awesome!
Hi All,
Joining the Garden Club! Im excited to watch my scores grow now that I have established a few revolvers, and an auto loan! I am currently raging an epic battle against the baddies on my report over in the rebuilding section where I am most active! I just want to thank everybody here and look forward to joining the prime credit hunters next year 
Almost drapped for something I didn't need, then decided to look at prices for a truck to buy in May or June instead. Keeping my eye on the prize. Besides, I just got one score up to 800, I have one more really close and the last one pretty close. So I'll just water the plants for a bit.
