Garden Club Meeting - January 2013

[ramblin_wreck08]

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."

[SFernandez13461]

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

[ceemee2203]

Still gardening. But I got my amex backdated to 2008. I didn't even have an amex until 2011 (as an authorized user).

[tcbofade]

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...

[olderwiser3]

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

[CreditWorld2013]

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 

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

[daybreakgonesXe]

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@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 

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

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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

[CreditWorld2013]

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@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

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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. 

[rtw]

Day 8 in the garden!

[hardworkrebuilding]

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.