Garden Club Meeting - May 2013

[09Lexie]

@RTOrockstar

Ouch! Look at it this way, you've come to the right place for help.

[myjourney]

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@jamesdwi wrote:

 Proper gardening pays in spades and total CL’s  quite a crop I harvested in  just the last 2 weeks, won’t even mention all the CLI love I got in the last 5 months the last 2 weeks is amazing enough.  

Six Comenity store cards yes too many of them but All growing via SP’s and have no AF I think 3 or 4 of these were through the shopping cart trick so no HP either,    6x $200  CLI’s for a total of $1200 CLI

Wal-Mart Store card $800 CLI

Amex BCP   $4800 CLI

Left the garden for 10 minutes today, applied for AMEX Hilton Rewards Surpass Approved $5500 CL almost instant got the 7-10 day message and the approval email within 5 minutes.

 Total new CL and CLI in the last 2 weeks  $12,300, only 1 HP, and a new 2 year old TL on my credit report which should help my AAoA. In 3 months all TL will be reporting at least 1 year of age.

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Nice 

[09Lexie]

@memorysketch

Fingers crossed!

[09Lexie]

@jamesdwi

Glad it is working out for you!

[TimeToRecover]

Think I need the anklet (HAHAHA)  Not really but sorta.

I posted in my IRS lien thread about my flustrating at waiting.

BUT in the mail I did receive a PREQUALIFIED from GE/Walmart.  Not preapproved but fully qualified flyer says to just accept and find out my limit etc. 

Now 2 reasons that this is cool

1 is cause at the end of december after my move I was buying a washer and dryer and GE declined me at the register.  So obviously some change in my report made them happy

2 it just makes me happy

BUT also 2 reasons why I can't accept (at least not this month) (it is valid thru June the offer)

1 I didn't want to apply for anything till the lien went away to hope for higher CL

2 I am in the middle of my intentional High Util time when I paid off the 30% loan with my Cap One 0% and it won't be paid off till the end of May which means the CS won't bounce up till after Cap One cuts early June.

I am going to post another question about this in the open forum as a seperate post.  But as I said at the beginning I needed the ankle bracelet to stay in the garden for abut 30 seconds while I hesitated.

[myjourney]

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@TimeToRecover wrote:

Think I need the anklet (HAHAHA)  Not really but sorta.

I posted in my IRS lien thread about my flustrating at waiting.

BUT in the mail I did receive a PREQUALIFIED from GE/Walmart.  Not preapproved but fully qualified flyer says to just accept and find out my limit etc. 

Now 2 reasons that this is cool

1 is cause at the end of december after my move I was buying a washer and dryer and GE declined me at the register.  So obviously some change in my report made them happy

2 it just makes me happy

BUT also 2 reasons why I can't accept (at least not this month) (it is valid thru June the offer)

1 I didn't want to apply for anything till the lien went away to hope for higher CL

2 I am in the middle of my intentional High Util time when I paid off the 30% loan with my Cap One 0% and it won't be paid off till the end of May which means the CS won't bounce up till after Cap One cuts early June.

I am going to post another question about this in the open forum as a seperate post.  But as I said at the beginning I needed the ankle bracelet to stay in the garden for abut 30 seconds while I hesitated.

RED ALERT

RED ALERT

[RTOrockstar]

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@09Lexie wrote:
@RTOrockstar

Ouch! Look at it this way, you've come to the right place for help.

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Yea, I'm in good company.

[09Lexie]

@TimeToRecover

Really? Not worth the shock those anklets give off!

[rtw]

132 days in the garden!

[Kysmet10]

Ok; so I had to book a hotel for a trip this summer with Choice Hotels.  I've started using Ebates.com to get cash back and I decided to sign up for Choice Privileges (I sign up for all hotel and flight reward cards lol).  Of course I get the Choice Privileges Visa pop up.  I wont lie, I was tempted and hesitated while hovering over the Apply button; however I resisted the urge (whew!). 

Meanwhile, my credit scores have jumped on both myFICO and my Walmart TU scores!  The first jump came about a week ago as they recovered from my app spree in Feb/March.  Then I received an email late last night from myFICO that there was a change in score.  My score increased by an additional 9 points.  I am finally understanding credit card utilization and it's role in your credit scores and I'm good with this gardening gig for a while.  Thanks much to everyone for advice, support, and lessons learned!