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Garden Club Meeting - November 2013

Mega Contributor

Re: Garden Club Meeting - November 2013

MJ will you lose your spade when you get the Fico credit cards and expense account ? Smiley Embarassed

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 81 of 5,680

Re: Garden Club Meeting - November 2013

Wow...this garden is growing! 


It's a new month, so I always like to state my credit goals and what I hope to accomplish in the Garden:


1. Pay off Merrick card; may possibly use for small recurring payments & PIF to keep CC active

2. Pay off and close Credit One CC by mid-March

3. Pay off/pay down all TLs

3. Request CLIs for Amazon in a few days, Wally in December, JCP in Feb

3. GW letters to LVNV until they budge!

Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/13/18)
AMEX BCE $34000 | BofA BBR #1 $31400 | Discover IT $27000 | cashRewards VS $25000 | Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 Store $25000 | Care Credit MC $20000 | BoA BBR #2 $18800 | Cap 1 QS WMC $17250 | JCP $15000 | CashForward WMC $14000 | Barclay Rewards WMC $14000 | Citi DC $12600 | Cash+ VS $12000 | Freedom VS $12000 | Disney VS $11500 | Cash 365 AMEX $11000 | WCU Visa $10000 | Uber VS $9000 | Blispay $7500 | Amazon VS $7300 | Target MC $7000 | Sony Card $4250 | ~~Gardening Since 4/1/18
Message 82 of 5,680
Frequent Contributor

Re: Garden Club Meeting - November 2013

Still here... I can't believe its November already!  so with the nip in the air, and leaves all over my lawn, I'll raise a glass of pepperming (schnapps) hot cocoa to one and all...  (oh and the big pot on the table over there?  yup... enough spiked cocoa for us all...)

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 83 of 5,680
Established Contributor

Re: Garden Club Meeting - November 2013

I've been gardening for almost a month. My sis added me to her cap1 and now my credit history increase to 7 years haha, AAofA 2 years. I hope Amex shows me some love when I request CLi in exactly 23days from now. 

Message 84 of 5,680
Moderator Emerita

Re: Garden Club Meeting - November 2013

Message 85 of 5,680
Established Contributor

Re: Garden Club Meeting - November 2013

Hi all!! Smiley Happy
 photo IT_REDDAISY_zps2c12a8e3.gif
Message 86 of 5,680
Established Contributor

Re: Garden Club Meeting - November 2013

Yup... another month in the garden. All cards will report $0 balance this month 'cept Discover which is still at 0% intro rate. Overall UTIL will be around 25% so any/all apps will remain on ice until I can drag that UTIL down a bit more.



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 87 of 5,680
Senior Contributor

Re: Garden Club Meeting - November 2013

Irisa wrote:

Hello gardeners,


Checking in for November. October was not a good month. I was ready for it to be over.. Though I'm not sure how much better November will be, I have a birthday coming up in a couple of weeks Smiley Indifferent  Feeling old so I may have to skip it lol.

The good news? My credit scores should recover this month when balances report 0 again. Plus, I just got another CLI from Capital one!


Hope everyone is well. Happy gardening!  & Stay strong Smiley Happy

Hello My Buddy,


Sorry October wan't good for you.  Hope November is better!


October was up and down for me and November is starting not so great, but I'm determined (no pun intended) to make the best of it. 


Hope to see you at the social tonight.

Message 88 of 5,680
Valued Contributor

Re: Garden Club Meeting - November 2013

Hey y'all happy Friday!! Gotta luv the weekendSmiley Happy


Message 89 of 5,680
Super Contributor

Re: Garden Club Meeting - November 2013

Ravensfan2001 wrote:

myjourney wrote:

Ravensfan2001 wrote:

Checking in! So glad to be here for the next 2 years!


@Lexie - Congratulations, Moderator!

Check in complete 

Thanks, myjourney. Don't know where I've been, but congrats on the upgrade, Community Leader!

Thank you 

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 90 of 5,680