December 2014 Garden Cult/Club

For just about anything you want to get off your chest about credit cards.
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Xorand
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Postby Xorand » Wed Dec 03, 2014 9:28 pm

Heh. My EX FICO jumped 15 points today (707 to 722). Maybe I should app a couple dozen cards?
AmEx - Platinum (NPSL) , Blue Cash Preferred ($19,000), Gold Delta Skymiles ($8,500)
Chase - Sapphire Preferred ($14,000), Disney ($11,500), Amazon.com ($9,000), Freedom ($8,000)
CapOne - QuickSilver ($7,250) / Platinum Rewards ($7,250)


Nixon
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Postby Nixon » Wed Dec 03, 2014 9:30 pm

otter wrote:A date with 09! You'll go to Olive Garden and eat the garden salad (at one of their lovely locations in New Jersey, the Garden State. Go over to her house after dinner and watch "The Secret Garden" while sharing a giant bowl of popcorn (in a bowl with garden vegetable art on it). Afterwards, you two will drink wine made from grapes grown in her garden and discuss the finer points of gardening (SCT's, drapping, etc). Finally, she'll be so frisky that she'll lead you back to her garden and...


Garden?

:p

Ugh anyone check out this thread over on the other side? I love how the community leader swoops in to do the mod's bidding.
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TheLethargicAge
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Postby TheLethargicAge » Wed Dec 03, 2014 10:21 pm

Nixon wrote:Garden?

:p

Ugh anyone check out this thread over on the other side? I love how the community leader swoops in to do the mod's bidding.


09 cracks the whip and the community eunuchs say "How high?"
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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PlyrStar93
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Postby PlyrStar93 » Thu Dec 04, 2014 2:13 am

otter wrote:A date with 09! You'll go to Olive Garden and eat the garden salad (at one of their lovely locations in New Jersey, the Garden State. Go over to her house after dinner and watch "The Secret Garden" while sharing a giant bowl of popcorn (in a bowl with garden vegetable art on it). Afterwards, you two will drink wine made from grapes grown in her garden and discuss the finer points of gardening (SCT's, drapping, etc). Finally, she'll be so frisky that she'll lead you back to her garden and...

and she will be a dominatrix and play real wild! :D

Quick question, if I go to Walmart and grab 100 $500 VGCs and checkout to try the physical shopping cart trick, what are my chances to get a popup for their WM card at the register?
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.

p51
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Postby p51 » Thu Dec 04, 2014 10:23 am

What do people mean when they say gardening? I'm not trying to be funny. I just want some clarification.

Thank you
Capital One secured opened May 2012 -- $1401 ($1200 of my own money to increase limit) I will be closing this as soon as I qualify for an AMEX Simply Cash business card (hopefully this summer).
Amex PRG opened Nov 2014 -- No preset spending limit
Chase Freedom Nov 2014 -- $4000
Bank of America Cash Rewards Nov 2014 -- $2500

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Dec 04, 2014 10:32 am

p51 wrote:What do people mean when they say gardening? I'm not trying to be funny. I just want some clarification.

Thank you


Copy-pasting my answer to that from last month....

Broadly speaking, it means you don't apply for new credit for a period of time. The inquiries on your credit report get older and fall off, and the average age of your accounts rises with time. Generally speaking, these two effects improve a person's FICO and general credit-worthiness over time. There are exceptions to this - usually when a person has a lot of bad things and few good things on a credit report. This 'gardening' behavior may also encourage automatic credit limit increases. You are not gardening, however, if you request a credit limit increase but must take an inquiry in the process.

Some people will argue whether you're still gardening or not if you take an inquiry for a phone contract, or if you can manage to open a new account without taking an inquiry. But that's the general idea.
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

p51
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Postby p51 » Thu Dec 04, 2014 11:07 am

CarefulBuilder14 wrote:Copy-pasting my answer to that from last month....

Broadly speaking, it means you don't apply for new credit for a period of time. The inquiries on your credit report get older and fall off, and the average age of your accounts rises with time. Generally speaking, these two effects improve a person's FICO and general credit-worthiness over time. There are exceptions to this - usually when a person has a lot of bad things and few good things on a credit report. This 'gardening' behavior may also encourage automatic credit limit increases. You are not gardening, however, if you request a credit limit increase but must take an inquiry in the process.

Some people will argue whether you're still gardening or not if you take an inquiry for a phone contract, or if you can manage to open a new account without taking an inquiry. But that's the general idea.


Thank you for the explanation!! I should have searched in the previous posts first.
Capital One secured opened May 2012 -- $1401 ($1200 of my own money to increase limit) I will be closing this as soon as I qualify for an AMEX Simply Cash business card (hopefully this summer).
Amex PRG opened Nov 2014 -- No preset spending limit
Chase Freedom Nov 2014 -- $4000
Bank of America Cash Rewards Nov 2014 -- $2500

popamode72
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Postby popamode72 » Thu Dec 04, 2014 9:07 pm

For anyone who stopped using their Discover It card for a while, how long did you have it in the SD until Discover gave you some kind of a CLI? This month, I haven't put any more charges on the card and the balance is gonna be 0 soon.
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)

Nixon
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Postby Nixon » Sat Dec 13, 2014 11:16 pm

Ugh. All this self-censoring on MF is exhausting. Is anyone else exhausted from a certain moderator being back in action lately?
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otter
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Postby otter » Sun Dec 14, 2014 7:05 am

Nixon wrote:Ugh. All this self-censoring on MF is exhausting. Is anyone else exhausted from a certain moderator being back in action lately?


09? I didn't know she was away. I know she'd be furious if she knew I was back on the forum.

I think they should make Alvon123 a mod... skip the community leader BS, just make him a mod. His thoughtful commentary is worthy of the rank.
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



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