cancel
Showing results for 
Search instead for 
Did you mean: 

Garden Club Meeting - March 2013

tag
Swapmeet
Valued Contributor

Re: Garden Club Meeting - March 2013

So I have been all on edge and what-not because I recently opened three new accounts and I am dreading their first reports reducing my score drastically. Amex still has not reported my Delta Gold, which is cool since It is over a month old now, and I just got the alert from my credit monitoring plus (through usaa) that said that Chase has just reported my Freedom for the first time. My score actually went up from it. Chase reported the account opening on the first of Feb. -- a week before the inquiry. Now with Amex taking their time in reporting, I may not lose any points at all. This is great! I have not gotten the SW new account alert yet, but I will be so happy if it does not lower my score. As far as hurting my AAoA goes, I did close two accounts that were under a year old (1st premiere and applied secured cards) before I opened these three new ones, so this might help as well. 



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 231 of 1,535
myjourney
Super Contributor

Re: Garden Club Meeting - March 2013

68 days app free and counting yahooo!!!!!!!!!!!!

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 232 of 1,535
shorrttyycm1
Frequent Contributor

Re: Garden Club Meeting - March 2013

Hi...my name is shorrttyycm1 & I'm an appaholic. Its been 1 month since my last hard pull (cli requests) :-( I'm fighting the itch one hour at a time ;-) I hope to stay app free until September 2013. Thnx for your support.

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 233 of 1,535
myjourney
Super Contributor

Re: Garden Club Meeting - March 2013


@shorrttyycm1 wrote:
Hi...my name is shorrttyycm1 & I'm an appaholic. Its been 1 month since my last hard pull (cli requests) :-( I'm fighting the itch one hour at a time ;-) I hope to stay app free until September 2013. Thnx for your support.

Congrats you didn't app welcome to the garden....make your self at home the snack bar with free drinks is open  LOl

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 234 of 1,535
Axa
New Contributor

Re: Garden Club Meeting - March 2013


@shorrttyycm1 wrote:
Hi...my name is shorrttyycm1 & I'm an appaholic. Its been 1 month since my last hard pull (cli requests) :-( I'm fighting the itch one hour at a time ;-) I hope to stay app free until September 2013. Thnx for your support.

Welcome. I can identify with one hour at a time. It helps to be accountable to your fellow gardners. Feel free to update your signature with an appropriate badge. One month earns you a spade!


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
Message 235 of 1,535
a3quit4s
Regular Contributor

Re: Garden Club Meeting - March 2013

My signature is a LIE! I apped for the BCP today :/


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Message 236 of 1,535
myjourney
Super Contributor

Re: Garden Club Meeting - March 2013


@a3quit4s wrote:

My signature is a LIE! I apped for the BCP today :/


We won't hold it against you welcome back Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 237 of 1,535
awdsmama
Established Contributor

Re: Garden Club Meeting - March 2013

What's on the snack menu tonight? 

 

 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 238 of 1,535
myjourney
Super Contributor

Re: Garden Club Meeting - March 2013

APP less snacks and shots...Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 239 of 1,535
icloud2525
Frequent Contributor

Re: Garden Club Meeting - March 2013

5 months app free!!
Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton Surpass $13,500, Amex Hilton $16,200, Discover it $16,000, Citi TYP $18,900, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $14,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000,-- EQ FICO 768, EX FICO 777, TU FICO 781
Message 240 of 1,535
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.