July 2014 Garden Cult meeting - join us and drink the free Kool-Aid!

For just about anything you want to get off your chest about credit cards.
supercoolman
Centurion Member
Centurion Member
 
Posts: 176
Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Fri Jul 04, 2014 3:43 pm

MemberSince99 wrote:I want the Amex Hilton, but I simply can't risk applying for it until I either decide this isn't the time to buy a home, or I've gotten into my new home, whichever comes first.


To be honest, that's the ONLY reason I have not applied for it. I could use it, and it would only increase my AAoA. I just do not dare to provoke the wrath of the underwriters if there is a chance I'm going to buy this year. If it wasn't for that I'd have already done it. But now I'll see what's out there and consider what to do. When that's done I'll revisit the card and likely go for it.




so you build a garden first, then build a house on top of the garden?


Skycap
Green Member
Green Member
 
Posts: 12
Joined: Thu Jun 19, 2014 2:17 pm
Location: California

Postby Skycap » Fri Jul 04, 2014 4:15 pm

jrmsu wrote:Hello MemberSince99.

Is the Kool Aid sugar free? I'm supposed to be on a diet.

I have been in the Garden for a whole 2 and a half weeks! Maintaining credit cards is not nearly as fun as applying for them. Whenever I need a reminder why I shouldn't apply for more credit cards, I go to the myfico forum. Half of the members are obsessed with gardening and the other half are having mental breakdowns over their terrible financial choices.


+1

Haha, all of this
[size=60]American Express Blue Cash Everyday $6,000 | Bank of America Power Rewards $500
Best Buy $2,200 | Chase Freedom $2,500 | Citi Diamond Preferred $2,700
First Financial Bank $8,800 | Home Depot $500 | JCPenney $1,200 | Kohls $500
Target $1,300 | Union Bank (FNB) $1,300

FICOs
TU:761, EQ:754, EX:732 (11/2014)
[/size]

AMEXPlatino86
Centurion Member
Centurion Member
 
Posts: 244
Joined: Mon Feb 18, 2013 5:51 pm
Location: New York, NY

Postby AMEXPlatino86 » Fri Jul 04, 2014 7:07 pm

Actually it's the other way around, he's building the house with the garden on top. How many of those exists?

supercoolman wrote:so you build a garden first, then build a house on top of the garden?
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752

jrmsu
Platinum Member
Platinum Member
 
Posts: 79
Joined: Sun May 04, 2014 9:53 am
Location: Mississippi

Postby jrmsu » Fri Jul 04, 2014 7:33 pm

AMEXPlatino86 wrote:Actually it's the other way around, he's building the house with the garden on top. How many of those exists?


I have actually heard about that before! People grow grass on their roofs to lower cooling and heating costs.
My Cards:

Discover It - $8,450 (9/13)
BankAmericard Cash Rewards Visa Signature - $5,000 (4/14)
Chase Freedom - $3,000 (5/14)
AMEX Hilton HHonors - $16,500 (6/14)


supercoolman
Centurion Member
Centurion Member
 
Posts: 176
Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Fri Jul 04, 2014 7:36 pm

jrmsu wrote:I have actually heard about that before! People grow grass on their roofs to lower cooling and heating costs.


or grow vege for ready to eat lunch and dinner

jrmsu
Platinum Member
Platinum Member
 
Posts: 79
Joined: Sun May 04, 2014 9:53 am
Location: Mississippi

Postby jrmsu » Fri Jul 04, 2014 7:55 pm

supercoolman wrote:or grow vege for ready to eat lunch and dinner


What do they grow in Wisconsin? Cranberries? He could have cranberry beds on his roof although flooding them when they are ready will be kind of hard...
My Cards:

Discover It - $8,450 (9/13)
BankAmericard Cash Rewards Visa Signature - $5,000 (4/14)
Chase Freedom - $3,000 (5/14)
AMEX Hilton HHonors - $16,500 (6/14)


MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri Jul 04, 2014 11:47 pm

jrmsu wrote:What do they grow in Wisconsin? Cranberries? He could have cranberry beds on his roof although flooding them when they are ready will be kind of hard...




They grow beer and cheese here :D

User avatar
onion
Centurion Member
Centurion Member
 
Posts: 262
Joined: Tue Jul 01, 2014 8:59 pm
Location: Jacksonville, FL

Postby onion » Sat Jul 05, 2014 12:46 am

I'm back in the garden. It's been a boring 8 months since I got my last card (best buy) but it paid off and was approved for an American Express blue sky card. It's gonna be a while until my next card, but at least that gives me time to think about what I want. I like the AmEx offerings but I spend so little money that I can't really justify the fee.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

supercoolman
Centurion Member
Centurion Member
 
Posts: 176
Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Sat Jul 05, 2014 1:34 am

how do you define when someone enters garden? it's not like anyone would apply CC everyday/week/month.

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat Jul 05, 2014 6:36 am

The Garden, aside from being this beautiful paradise like place of existence, is just not applying for any credit. You can enter it with a set desire to garden for a time (and this will whiten your teeth in your sleep, cure cancer, and make you a real stallion with the wife) or simply not see anything you want to apply for and be in the garden as a result.


In the end, it doesn't matter HOW you get here, only THAT you get here, and stay, forever. It's like the Hotel California, you can check out anytime you like, but you can never leave :)



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests