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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onion
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Location: Jacksonville, FL

Postby onion » Wed Sep 03, 2014 9:43 pm

What's the 8 hour trick?
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


popamode72
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Postby popamode72 » Wed Sep 03, 2014 9:46 pm

otter wrote:You know it's bad when creditaddict tells you that you need to stop apping:

http://ficoforums.myfico.com/t5/Credit-Cards/In-the-mean-time/m-p/2978904

That's kind of like Paris Hilton telling you to stop acting sl**ty...


Either he is one of MyFico's greatest trolls ever or he's extremely desperate. Oh yeah if you even try saying anything about him being a troll and calling him out on his BS or expressing how annoyed you are with the guy because he's been told over and over and over again what he exactly needs to do, this is a sample of what happens.

http://ficoforums.myfico.com/t5/Credit-Cards/You-can-t-make-this-stuff-up/m-p/3349361#M930391
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)

popamode72
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Postby popamode72 » Wed Sep 03, 2014 9:48 pm

onion wrote:What's the 8 hour trick?


From what I can tell, applying a Synchrony/GECRB backed card like 3 times in a day and getting approved for a higher starting CL each time.
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)

popamode72
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Postby popamode72 » Sat Sep 06, 2014 2:02 pm

People are freaking out cause this guy had the gall to close a card he didn't want anymore with a 22% APR! The horror.

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-Rewards-CLOSED/td-p/3412071
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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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 22, 2014 11:44 pm

I've now been in the garden a month. BCE still hasn't appeared on my credit reports - at least not TU or EX - so I don't have a true garden-entering FICO.

No blessings from Autocli yet.

Five more months until I go for Arrival+.

I know I could get a bronze spade, but I like my current avatar.
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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PlyrStar93
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Postby PlyrStar93 » Mon Sep 22, 2014 11:50 pm

Just being FMC right now--have been in TU and EX gardens for three months since last app of Freedom. However, for EQ I don't know why Citi hard pulled on 8/30, at which time I didn't apply anything, nor requested CLI or whatever.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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otter
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Postby otter » Tue Sep 23, 2014 2:07 am

PlyrStar93 wrote:Just being FMC right now--have been in TU and EX gardens for three months since last app of Freedom. However, for EQ I don't know why Citi hard pulled on 8/30, at which time I didn't apply anything, nor requested CLI or whatever.


Were you drapping and perhaps don't remember? If so, only one hard pull will show up on your report regardless of how many apps you did. You should be getting an avalanche of comenity (and hopefully other) cards any day now. Pray you didn't apply for any credit one or first premier cards...
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

OldMan
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Postby OldMan » Tue Sep 23, 2014 6:11 am

I'm so confused! I haven't App'd for anything, but I did do the 61 day CLI on my BCE. Does that move me out of the garden into the big bad city? Does the fact that I was approved effect my garden status? I had been so good too. :o)
My Wallet:
Discover IT - $4000;
AMEX BCE $12000;
Citi Double Cash - $6600;
CHASE AARP Visa - $5000;
Banana Republic $1200;
NFM - $20,000;
Sears (Citi) MC - $6000;

MemberSince99
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Postby MemberSince99 » Tue Sep 23, 2014 6:35 am

OldMan wrote:I'm so confused! I haven't App'd for anything, but I did do the 61 day CLI on my BCE. Does that move me out of the garden into the big bad city? Does the fact that I was approved effect my garden status? I had been so good too. :o)






No you are still in the garden because it's not a HP.

TheLethargicAge
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Postby TheLethargicAge » Tue Sep 23, 2014 10:29 am

Dear members of the garden cult, I have a confession to make....in a moment of weakness I gave into temptation and besmirched the sanctity of this cult...forgive me for I have apped...I was approved for the Double Cash card...and then in the heat of the moment I requested a CLI, which cost me another HP...I know it's wrong, but it felt so good...and now I feel so guilty...
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)



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