September 2014 Garden Cult thread - free Kool-Aid!

For just about anything you want to get off your chest about credit cards.
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popamode72
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Postby popamode72 » Tue Sep 02, 2014 8:49 am

Correction: I think it was the Duck card. My mistake.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)


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djrez4
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Postby djrez4 » Tue Sep 02, 2014 11:07 am

It's not a goal or anything, but I've managed to stay out of the garden for two consecutive months. New Citi AA business card on its way for another 50k miles. That'll bring the total up to 325,000.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Sep 02, 2014 11:29 am

djrez4 wrote:It's not a goal or anything, but I've managed to stay out of the garden for two consecutive months. New Citi AA business card on its way for another 50k miles. That'll bring the total up to 325,000.


I know the Citi AA cards have enough variants that they are an effective way for people to rack up a big pool of signup bonuses. Do you use those cards for non-AA purchases? Do you fly a lot and nearly always on AA?

Since you already have a CSP and Amex Platinum, I'm assuming those two cards are your default choices for paying for travel. In the past when I've read about people churning their Citi AA cards for signup bonuses, they had been using the latest AA card as their primary travel card, if not their everyday card as well. So is there any particular trick to getting several Citi AA cards without any adverse action?

And about how many cards do you have, total, if they aren't all in your signature?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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djrez4
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Postby djrez4 » Tue Sep 02, 2014 12:34 pm

CarefulBuilder14 wrote:I know the Citi AA cards have enough variants that they are an effective way for people to rack up a big pool of signup bonuses. Do you use those cards for non-AA purchases? Do you fly a lot and nearly always on AA?


I don't use any of them beyond the bonus spend, and that generally occurs via Amazon Payments. We fly on United, but AA has some good routing to S. America and Europe, especially with the addition of US Air's routes and also partners with a couple of Middle East airlines that have ridiculous hard product and let you go to Asia the long way around.

CarefulBuilder14 wrote:Since you already have a CSP and Amex Platinum, I'm assuming those two cards are your default choices for paying for travel. In the past when I've read about people churning their Citi AA cards for signup bonuses, they had been using the latest AA card as their primary travel card, if not their everyday card as well. So is there any particular trick to getting several Citi AA cards without any adverse action?


CSP, yes. I have the Platinum for the perks and carry it as a backup when we travel. Arrival was in the mix for the last trip as well.

Adverse action isn't really an issue. There are some rules for Citi applications that the internet has divined through trial and error. Check Flyertalk for that info.

CarefulBuilder14 wrote:And about how many cards do you have, total, if they aren't all in your signature?


Including the new AA Business, 22. But, I have five that I plan to close today.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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otter
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Postby otter » Tue Sep 02, 2014 3:06 pm

popamode72 wrote:This guy is always whining about GE not giving him a CLI even though he had BK 7 like a year ago and is expecting one of the lenders that he burned to suddenly welcome this guy back in open arms. People have told the guy to be a lot more patient.

http://ficoforums.myfico.com/t5/Credit-Cards/GE-Synch-rant-again-Holding-payments-WTH/m-p/3368155#M935099


Actually, I think Pizza1 is a girl... read a few of her old posts (crying about a guy with an 800 score who doesn't want to get serious because she'll drag down his credit score if they marry). She also went on an app spree right after discharge.

What is it with these people apping right after discharge? You've just made one of the most drastic negative moves you can possibly do financially/credit wise. Sure you can improve your credit score quicker if you get credit as soon after bankruptcy as possible(there's a thread on fico "how to get a 700 score 24 months post-bankruptcy"), but if your habits, attitude, and financial situation don't change- you're gonna be in the same shape again. They should probably take a break from credit for a while and do a lot of thinking about credit before they do anything credit-wise.

In 2004-2005, I totally trashed my credit(never filed bankruptcy)- I waited seven years for all the negatives to drop, paying with cash and debit cards and then waited an extra year before I applied. In those eight years, my attitudes changed about money, I saved and invested, and I matured a lot. Would my credit have been better if I had applied in 2006? I doubt it... I needed the self imposed credit exile to make myself a better person financially. I'll never mess up my credit again. If you say something like that on fico ("don't app post-bankruptcy instead you should wait), they'll ban you for being disruptive! Jeez.. they really are a cult!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Tue Sep 02, 2014 4:31 pm

I would never say never. My attitude changes towards credit as well I simply don't carry balances and I'm horrified when a balance hits, by mistake. For example it LOOKS like my rent for this month will hit on my Dodge card I paied it last month (last Friday) and THOUGHT it would be post by now and I could pay it. But the statement cuts on the 3rd and it will probably post on the 3rd which means a month of a 1000 balance. HOLY CRAP. Even though I'll pay it as soon as I can, that sucks. Oh well.


Anyway, I never carry balances and never will but I could lose my job and it could and probably will take a while to find a new one. Things are different now and no matter how much the media propaganda machine screams happy days are here again and the economy is booming, it's just not so. In 2006 I was told by my company I had two weeks to get a new job - my last day was in 2 weeks and I could certainly look and interview and so on without a problem during that 2 weeks, but when the 2 weeks was done, so was my job. I managed to get a new job with time to spare. That simply does not happen today. You are lucky to even get an interview in that time, and you will go through round after round of waves of interviewers most likely to even get an offer. Some places want you there for several entire days to determine if they think you are a "fit". That getting a job in 2 weeks just isn't happening today I'm here to tell you.


So I'm gonna drop a bunch of money this Friday and if I lost my job right after, yeah it COULD happen to me, I can't tell you it will NEVER happen again. All I can do is my very best to live responsibly and try to avoid it, but nothing in life is guaranteed but death and taxes. It honestly kind of scares me watching the money I worked hard to earn and save going out the door, but I have to focus on a hopefully better future as a result. It could blow up in my face and make me dearly regret it. If it does, it does. I could get hit by a drunk and paralyzed through no fault of my own, but that would not make me any less of a deadbeat in the eyes of the law and the legal system would happily rip my nuts off in court just the same as if I deliberately set out to stiff people. But hey if I'm paralyzed I think the honest least of my worries is going to be that anyway....what more can they do to you.

jrmsu
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Postby jrmsu » Tue Sep 02, 2014 5:10 pm

onion wrote:Man, that bears and turtles guy is hilarious. I remember lurking around on this forum and seeing people talk about him. Took me about 15 minutes to find him on MyFICO, but that time was worth it.


Ha ha, the bears and turtles fiasco was my introduction to this forum. When I started applying for credit cards, I kept bears and turtles in mind as a cautionary tale.
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)


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onion
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Postby onion » Tue Sep 02, 2014 5:17 pm

jrmsu wrote:Ha ha, the bears and turtles fiasco was my introduction to this forum. When I started applying for credit cards, I kept bears and turtles in mind as a cautionary tale.


There's no way you could be as bad as him. :P

Also, gardening is boring, but there are no cards that I want! I hope some new stuff comes out soon. I guess its good that I have everything I want, my inquiries are aging and some are falling off.
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

MemberSince99
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Postby MemberSince99 » Tue Sep 02, 2014 6:48 pm

On FICO when they drone on about gardening, that really IS valid advice for some of those people. Here it's mockery, though sometimes it makes sense but once you have established good credit, gardening just to garden is pointless really. If you're happy with your lineup, then no need to do anything, but to agonize over a single inquiry like it's life or death is WAY overkill once you're in primeland.


Of course you could be me and have the car dealer hit you with a bunch of inquiries and your dirtbag insurance company then use that as justification to jack your rate up despite your score, but then again, that's why it's good there is competition so you can just move on and basically wave goodbye to them with the middle finger on your way out the door....

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djrez4
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Postby djrez4 » Wed Sep 03, 2014 10:05 am

Holy teeth pulling, Batman!

It took two reps and about 25 minutes to cancel my last US Air card and transfer the limit to my Arrival.

Amex required three different reps. Retention needed to get customer service involved to reallocate my limit. Then we needed to talk to a credit line specialist to see if the reallocation went through. Then we discovered that I'm exactly four days short of the 13-month requirement to reallocate limits (which, to my understanding, is a regulation on personal credit cards. This is a business line.) I'll call back on Monday.

I didn't have high hopes for Citi, but they've been the easiest. I couldn't reallocate any credit lines, which is always a bummer, and they offered 2 miles/$ on the first $1000 in spend for nine months. No regulatory reading (sort of concerning). Just shut the cards down.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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