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Garden Club Meeting - January 2013

Regular Contributor

Re: Garden Club Meeting - January 2013

I have the itch pretty bad right now, but looking at how my current cards are growing with me helps a ton. I keep telling myself "Do not app. Do not app. Do not app."
Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 221 of 362
Highlighted
Frequent Contributor

Re: Garden Club Meeting - January 2013

Still gardening. Just graduated to bronze  this month. And up a few points according to Wal-Mart's score.


EX 695, EQ 703, TU 681 (1/17)
Message 222 of 362
Regular Contributor

Re: Garden Club Meeting - January 2013

Still gardening. But I got my amex backdated to 2008. I didn't even have an amex until 2011 (as an authorized user).
Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 223 of 362
Senior Contributor

Re: Garden Club Meeting - January 2013

Uh oh.  My credit union is sending me interesting advertising again...

 

8.9% on a signature loan...

 

Must not app, must not app, must not app...




Gardening 18 Apr 2018-01 Nov 2018. Race me for the Gold!
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
04/01/18 Fico8 scores: EX 637, EQ 630, TU 644 ow!
Message 224 of 362
Established Member

Re: Garden Club Meeting - January 2013

Don't do it unless you actually need it.  It's not worth the HP.  Smiley Happy

Message 225 of 362
Frequent Contributor

Re: Garden Club Meeting - January 2013

Well, my one year annivesary since getting my first credit card is officially next week. I recieved increases(after request) on my 3 original cards: Discover More, Capital One Journey, and Citi Forward in November but the $1,000 limits are still small and would like them to grow a bit more this year. My 2 newest cards I got in December : Chase Freedom($1,500) and Citi Dividend($2,500) will be getting high usage for the next few months as they are now my highest limits and hope they continue to grow (hopefully through auto-increases but I'm willing to take the hits near the summer) I have a question that I hope someone can answer Smiley Happy

 

1) What is the minimum timeframe between CLIs on Discover, Citi, and Capital One?

 

 

Message 226 of 362
Valued Contributor

Re: Garden Club Meeting - January 2013


CC365 wrote:

Well, my one year annivesary since getting my first credit card is officially next week. I recieved increases(after request) on my 3 original cards: Discover More, Capital One Journey, and Citi Forward in November but the $1,000 limits are still small and would like them to grow a bit more this year. My 2 newest cards I got in December : Chase Freedom($1,500) and Citi Dividend($2,500) will be getting high usage for the next few months as they are now my highest limits and hope they continue to grow (hopefully through auto-increases but I'm willing to take the hits near the summer) I have a question that I hope someone can answer Smiley Happy

 

1) What is the minimum timeframe between CLIs on Discover, Citi, and Capital One?

 

 


Typically a recommended mimimum of 6 months for both Discover and Citi. Not so sure on Capital One, considering they don't give out CLI easily XD

Message 227 of 362
Frequent Contributor

Re: Garden Club Meeting - January 2013


daybreakgonesXe wrote:
Typically an recommended mimimum of 6 months for both Discover and Citi. Not so sure on Capital One, considering they don't give out CLI easily XD

I hear you on Capital One. On another note, I wish Citi and Discover would show some auto-increases to me. I ran close to $5,000 through each before I got the $500 increases that also ended up being 1 hard pull from both Citi and Discover. I requested an APR reduction this month from Discover since it will be a year and hope they lower my APR (I never carry a balance unless it goes for utilization of 1-9%) but would like to have it lower just in case. I also wish they would give me some auto increase as well on my next statement but I'm giving up hope on any auto-increases from them. 

Message 228 of 362
Established Contributor

Re: Garden Club Meeting - January 2013

Day 8 in the garden!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 229 of 362
Regular Contributor

Re: Garden Club Meeting - January 2013

Well, I stepped out of the garden for a moment.  It was a successful departure and will serve a purpose.  Would have earned a silver spade Jan 28.  Oh well, I still haven't figured out how to get the graphic in my sig. None the less, back to cultivation. Hopefully my stay will be long and fruitful.  Seedling reporting for duty.

FICO 750+ on each CRA - 6 cards for a total CL of $222,900
Gardening since 9/11/2016 for a goal of 2 years
Message 230 of 362