I've been in the garden now since mid October, which is awesome for me, an also been very tough. Everyday in the garden gets easier, and I'm coming up on 3 months soon!!! I've seen my scores increase a little on all three CRA's, and I'm just letting time do its thing. Lowes is my dream card in 2016. Sounds stupid maybe to want that card as a "dream card", but everyone is different and has different needs and wants.
Even though Synchrony loves me, I know that right now I wouldn't be approved due to my scores, new accounts, and inquires. I applied a few months back and was declined. Now, plan is to continue gardening and I might try next Christmas (2015), with everything aged to a year, and hopefully my TU score is over 675+. I might have a better chance. The small increases I see every month on my TU file is encouraging, and keeps me somewhat motivated. It will be worth it when I am approved someday
@pizza1 wrote:I've been in the garden now since mid October, which is awesome for me, an also been very tough. Everyday in the garden gets easier, and I'm coming up on 3 months soon!!! I've seen my scores increase a little on all three CRA's, and I'm just letting time do its thing. Lowes is my dream card in 2016. Sounds stupid maybe to want that card as a "dream card", but everyone is different and has different needs and wants.
Even though Synchrony loves me, I know that right now I wouldn't be approved due to my scores, new accounts, and inquires. I applied a few months back and was declined. Now, plan is to continue gardening and I might try next Christmas (2015), with everything aged to a year, and hopefully my TU score is over 675+. I might have a better chance. The small increases I see every month on my TU file is encouraging, and keeps me somewhat motivated. It will be worth it when I am approved someday
Stay the course.
Your reward will be cards other than store. 
Nixon... I want lowes because well, it's Synchony, and they give eventually awesome CLI's, and they love me, lol. Plus it frees up my major cards, and of the the high (eventually) limit
@pizza1 wrote:
Nixon... I want lowes because well, it's Synchony, and they give eventually awesome CLI's, and they love me, lol. Plus it frees up my major cards, and of the the high (eventually) limit
Do you have a big home improvement project on the horizon or is this just for utilization padding?
I can't consciously encourage this if it is just for the latter.
@Anonymous wrote:
@pizza1 wrote:
Nixon... I want lowes because well, it's Synchony, and they give eventually awesome CLI's, and they love me, lol. Plus it frees up my major cards, and of the the high (eventually) limitDo you have a big home improvement project on the horizon or is this just for utilization padding?
I can't consciously encourage this if it is just for the latter.
Is that why I didn't get a congratulations from you in my thread?😡
Nixon, I rent an apartment, lol!! But I am looking at buying a small home in 3-4 yrs when I come up with a decent down payment. I'd like to have this card at least a year or two before then, so I can work on getting that cl up before I buy lol!!!
@pizza1 wrote:I've been in the garden now since mid October, which is awesome for me, an also been very tough. Everyday in the garden gets easier, and I'm coming up on 3 months soon!!! I've seen my scores increase a little on all three CRA's, and I'm just letting time do its thing. Lowes is my dream card in 2016. Sounds stupid maybe to want that card as a "dream card", but everyone is different and has different needs and wants.
Even though Synchrony loves me, I know that right now I wouldn't be approved due to my scores, new accounts, and inquires. I applied a few months back and was declined. Now, plan is to continue gardening and I might try next Christmas (2015), with everything aged to a year, and hopefully my TU score is over 675+. I might have a better chance. The small increases I see every month on my TU file is encouraging, and keeps me somewhat motivated. It will be worth it when I am approved someday
Keep being patient. Maybe by that time you'll get way better cards than Lowes. Always think long term.
@Anonymous wrote:
@Anonymous wrote:
@pizza1 wrote:
Nixon... I want lowes because well, it's Synchony, and they give eventually awesome CLI's, and they love me, lol. Plus it frees up my major cards, and of the the high (eventually) limitDo you have a big home improvement project on the horizon or is this just for utilization padding?
I can't consciously encourage this if it is just for the latter.
Is that why I didn't get a congratulations from you in my thread?😡
Lol.
I don't do the "Congrat's, Thanks for sharing" thing much..
You're welcome to look over every post i've made.
@pizza1 wrote:
Nixon, I rent an apartment, lol!! But I am looking at buying a small home in 3-4 yrs when I come up with a decent down payment. I'd like to have this Caesar least a year or two before then, so I can work on getting that cl up before I buy
I live in an apartment too Pizza but I need a refrigerator and my TU score is the highest it's ever been right now. I decided for a Lowes card because I'll probably end up buying the frige at Lowes or Home Depot anyway and none of my Visas or MC' have limits high enough to buy a frige without over utilizing them unfortunately plus there's no interest. I too plan to get a house in the near future so might as well jump in now and have that good history with them when I really need it. I know where you're coming from!
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@pizza1 wrote:
Nixon... I want lowes because well, it's Synchony, and they give eventually awesome CLI's, and they love me, lol. Plus it frees up my major cards, and of the the high (eventually) limitDo you have a big home improvement project on the horizon or is this just for utilization padding?
I can't consciously encourage this if it is just for the latter.
Is that why I didn't get a congratulations from you in my thread?😡
Lol.
I don't do the "Congrat's, Thanks for sharing" thing much..
You're welcome to look over every post i've made.
It's okay Nixon. I know you're happy for me! 😉