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Garden Club Meeting - May 2013

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myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@cclee wrote:

Thank you everyone for the warm welcome!


Join us on friday nights for our social event iSmiley Wink

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 1701 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@webhopper wrote:

@myjourney wrote:

@webhopper wrote:

I'm still hanging in the garden guys...  

 

if my last app was 1/1/13, would I need to go to 6/1/13 for gold, or is it 7/1/13?

 

I think its 7/1/13, someone correct me if I'm wrong.


You are doing a wonderful job of this garden thing! No doubt you will see the gold Smiley Wink


Definately I'm aiming to be completely INQ free by January next year.  Last years apps were important, saved me a ton of money, got a new house and car, etc... but this year is all about paying off debt and gardening....


That wasn't just any car excuse me ...flew in on their dime to get a special order/vacation Lol You had a great year and may you have continued success

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 1702 of 2,553
Anonymous
Not applicable

Re: Garden Club Meeting - May 2013


@_jb_ wrote:

Just checking in with my new silver spade. Its funny, the longer I don't app, the more I question whether I really need the couple of other cards that I want.


Same here. I'm at day 107 and I've already reduced my next planned app spree in September from 3 cards to 1. The one app will be for a LOC from my CU because the interest rate is very low and I really feel better with some kind of emergency cushion that's not a CC.

Message 1703 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@Anonymous wrote:

@_jb_ wrote:

Just checking in with my new silver spade. Its funny, the longer I don't app, the more I question whether I really need the couple of other cards that I want.


Same here. I'm at day 107 and I've already reduced my next planned app spree in September from 3 cards to 1. The one app will be for a LOC from my CU because the interest rate is very low and I really feel better with some kind of emergency cushion that's not a CC.


Gardening gives you time to make good plans and see them through

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 1704 of 2,553
webhopper
Moderator Emeritus

Re: Garden Club Meeting - May 2013


@myjourney wrote:

@webhopper wrote:

@myjourney wrote:

@webhopper wrote:

I'm still hanging in the garden guys...  

 

if my last app was 1/1/13, would I need to go to 6/1/13 for gold, or is it 7/1/13?

 

I think its 7/1/13, someone correct me if I'm wrong.


You are doing a wonderful job of this garden thing! No doubt you will see the gold Smiley Wink


Definately I'm aiming to be completely INQ free by January next year.  Last years apps were important, saved me a ton of money, got a new house and car, etc... but this year is all about paying off debt and gardening....


That wasn't just any car excuse me ...flew in on their dime to get a special order/vacation Lol You had a great year and may you have continued success


The car trip was awesome Smiley Very Happy  I do wish we still had the old car though... Truth is that we wouldn't have bought a car if the old one hadn't been totalled out by insurance.

The new car has USMC liscense plates

US_Marines_Active_6-28-11.jpg

FICO 8:
Goal: Gardening!
Message 1705 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@webhopper wrote:

@myjourney wrote:

@webhopper wrote:

@myjourney wrote:

@webhopper wrote:

I'm still hanging in the garden guys...  

 

if my last app was 1/1/13, would I need to go to 6/1/13 for gold, or is it 7/1/13?

 

I think its 7/1/13, someone correct me if I'm wrong.


You are doing a wonderful job of this garden thing! No doubt you will see the gold Smiley Wink


Definately I'm aiming to be completely INQ free by January next year.  Last years apps were important, saved me a ton of money, got a new house and car, etc... but this year is all about paying off debt and gardening....


That wasn't just any car excuse me ...flew in on their dime to get a special order/vacation Lol You had a great year and may you have continued success


The car trip was awesome Smiley Very Happy  I do wish we still had the old car though... Truth is that we wouldn't have bought a car if the old one hadn't been totalled out by insurance.

The new car has USMC liscense plates

imagesCAW4RJGL.jpg


WTG

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 1706 of 2,553
Anonymous
Not applicable

Re: Garden Club Meeting - May 2013

I'm actually thinking of staying longer than Sept and letting DH spree instead. He has far less inq's than I do and although the majority of my inq's will be 1 yr, I'd rather wait .
So, is it ok if I hang out longer than originally planned?
Message 1707 of 2,553
myjourney
Super Contributor

Re: Garden Club Meeting - May 2013


@Anonymous wrote:
I'm actually thinking of staying longer than Sept and letting DH spree instead. He has far less inq's than I do and although the majority of my inq's will be 1 yr, I'd rather wait .
So, is it ok if I hang out longer than originally planned?

You family no doubt you canHeart

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 1708 of 2,553
knoregs
Established Contributor

Re: Garden Club Meeting - May 2013


@webhopper wrote:

@knoregs wrote:
Haven't signed on to this thread as of yet but I've been in garden since January when I was approved for my Amazon store card. I guess I need to pick up one of these spades eh? How do I go about that?

~kn

Welcome to the Garden and congrats on your shiney silver spade!

What day in January did you apply for the Amazon card?


Thank you... The Amazon app was on  the 19th of January.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 1709 of 2,553
webhopper
Moderator Emeritus

Re: Garden Club Meeting - May 2013


@knoregs wrote:

@webhopper wrote:

@knoregs wrote:
Haven't signed on to this thread as of yet but I've been in garden since January when I was approved for my Amazon store card. I guess I need to pick up one of these spades eh? How do I go about that?

~kn

Welcome to the Garden and congrats on your shiney silver spade!

What day in January did you apply for the Amazon card?


Thank you... The Amazon app was on  the 19th of January.

 

~kn


Awesome!  You'll be getting gold around the same time that I am!!

FICO 8:
Goal: Gardening!
Message 1710 of 2,553
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