April 2015 Garden Cult Thread

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Apr 04, 2015 10:12 pm

I didn't see any recent activity here, so I checked what was happening on MF...

Holy horseradish, popamode! We need to strap you to a flower bed and give you some intravenous fertilizer!
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when


TheLethargicAge
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Postby TheLethargicAge » Fri Apr 10, 2015 6:43 pm

I just got my new Double Cash card today. It's actually the second time I've had this card. I apped for it last year but ended up cancelling it. Looking back, it wasn't a good decision, so I apped again. I still think it's a Platinum MC masquerading as a World, but whatever, I'll find some use for it
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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otter
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Postby otter » Fri Apr 10, 2015 7:48 pm

TheLethargicAge wrote:I just got my new Double Cash card today. It's actually the second time I've had this card. I apped for it last year but ended up cancelling it. Looking back, it wasn't a good decision, so I apped again. I still think it's a Platinum MC masquerading as a World, but whatever, I'll find some use for it


I just opened a Double Cash myself a few weeks back and have yet to use it. Don't know why I keep on going back to Citi. Glad I closed the useless dividend card... wonder what the 5% category is for the Dividend this quarter- lawnchairs? staple removers? baking soda?
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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PlyrStar93
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Postby PlyrStar93 » Fri Apr 10, 2015 7:58 pm

otter wrote:wonder what the 5% category is for the Dividend this quarter- lawnchairs? staple removers? baking soda?

Gardening.
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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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Apr 11, 2015 9:47 am

I tried to get a PRG retention offer with only about $5k in spending this last year. No offer.

I'll still keep it as a perks/offers/airfare/grocery overflow/Costco card.

And my TU FICO had a nice boost at the start of April from 714 to 737.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

Gamma
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Postby Gamma » Sun Apr 12, 2015 1:25 pm

I like reading everyone's recent card apps in these monthly cult threads. Keep these coming otter

popamode72
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Location: Atlanta, GA

Postby popamode72 » Sun Apr 12, 2015 1:28 pm

CarefulBuilder14 wrote:I didn't see any recent activity here, so I checked what was happening on MF...

Holy horseradish, popamode! We need to strap you to a flower bed and give you some intravenous fertilizer!


Thanks. These bad habits I need to unlearn creep up sometimes and I just gotta not give in. I started out on MF obviously.

Best thing though is that I haven't had any new HPs and I want to keep it that way. When I'm not there at MF at all, I'm not tempted to fall for the latest fad that they try to pump up there. Gotta keep my eyes on the prize if I let my CSP sit there long enough.
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 » Sun Apr 12, 2015 4:25 pm

otter wrote:I just opened a Double Cash myself a few weeks back and have yet to use it. Don't know why I keep on going back to Citi. Glad I closed the useless dividend card... wonder what the 5% category is for the Dividend this quarter- lawnchairs? staple removers? baking soda?


Do you plan to close your Arrival?

5% on baking soda is probably more useful than a 2% MC when you already have a 2.2%+ MC.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

amex007
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Location: NY

Postby amex007 » Sun Apr 12, 2015 9:27 pm

Nice cult thread going on here. Since everyone's reporting their current activity, here's my 2.
1. 3x CLI for amex ED from 9.5k to 28.5k
2. received 5k credit limit after application for chase hyatt. i think 5k is their min credit limit for that card anyways bc a category level 1 hotel redemption is 5000 pts.

I would really like a CSP but I don't really want to split my spend among MR and URs. Rather just focus on one..
Amex Gold NPSL | Amex ED 28500 | Barclaycard Arrival 17500 | Hyatt visa signature 5000
sockdrawer-- GM 4000 | Unionplus 2200
EX 795 EQ 786 TU 790

Ghoshida
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Postby Ghoshida » Mon Apr 13, 2015 6:14 am

Got my 2.5X CLI with AMEX.

6k to 15k.


SO got approved for the AMEX EveryDay. Added myself as AU. Waiting for the card to come. Some bonus spending need to be met !
AMEX BCE | PRG || Barclaycard Sallie Mae || Capital One QuickSilver | Venture || Chase Freedom | Sapphire Preferred || Citi Dividend || Discover It || UFCU Great Rate || US Bank Cash+ #1 | Cash+ #2 | Club Carlson Plat | REI || Total CL $144.2k + PRG NPSL, not counting AU



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