May 2015 Garden Cult thread please join us

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Vermonster
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Re: May 2015 Garden Cult thread please join us

Postby Vermonster » Tue May 12, 2015 9:40 pm

I only pay for the EX tracker because I don't know of a site that provides a free EX on a weekly basis. I am trying to sort a few things out so my reports are making weekly changes. CK does well enough for TU and EQ. The free FICO is just a bonus.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k


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CarefulBuilder14
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Re: May 2015 Garden Cult thread please join us

Postby CarefulBuilder14 » Wed May 13, 2015 1:04 pm

I added a (no-AF/regular) Arrival. $4k CL. Usual 20k point bonus. It serves as a no-FTF MC and a Chip+PIN card with no AF. CSP and PRG will remain the travel heavyweights - this card is mostly for slightly better travel acceptance. I got the no-AF version so there's no potential hassle with getting Arrival+ and trying to later downgrade.

From here on, I really do think any cards I add will be for travel bonuses and/or premium travel perks. I just can't think of others that would be useful to have.

*TU pull alert from Credit Sesame. No word yet about a possible second pull. Instant approval this time, unlike last. I got a lower CL, though - not that I need a big one with this. I'd have even been happy to even split my $4.5k Sallie Mae into a $3k Arrival and a $1.5k SM - but I couldn't do that.
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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Xorand
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Re: May 2015 Garden Cult thread please join us

Postby Xorand » Wed May 13, 2015 2:46 pm

Fell out of the garden in April. Ended up trading in our RV for a new one and financed the difference (we live full-time in our RV, so sorta like buying a new house). We got a great rate on the new loan, actually lower than what our own CU offers, due in no small part to our increased scores.

Coincidentally enough within a couple weeks after the purchase, AmEx and (gasp) Capital One both gave us automatic CLIs on one card each. This after no auto CLIs for more than a year.

The new CU is encouraging us to re-fi our truck loan (40 months left at 5.69%) with them for a 2.9% rate and $100 cash placed in savings as an added incentive. Still debating maybe doing that with a 36 month term (would save about $1800 including the $100 cash bonus).
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)

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obxfisherman
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Re: May 2015 Garden Cult thread please join us

Postby obxfisherman » Wed May 13, 2015 3:01 pm

Vermonster wrote:I only pay for the EX tracker because I don't know of a site that provides a free EX on a weekly basis. I am trying to sort a few things out so my reports are making weekly changes. CK does well enough for TU and EQ. The free FICO is just a bonus.



I don't know of a website that pulls from EX, however, if you don't already have a Chase Slate, I recently applied for one and I learned their FICO score is pulled from EX, you apparently can check it as often as you like, so despite sacrificing a HP, the FICO there is essentially free xD That may be an option, granted the card is sort of a dud, but the FICO may be worth. Just a suggestion. :)
Cards Currently In My Wallet(See Avatar)
Chase Marriott Rewards Visa Signature (Daily Purchase): 13.4K
NFCU Visa SignatureCash Rewards: 5K
Sheetz Discount Card 3c Off PerGallon Of Gas Everyday

Total Credit Card Limits Roughly: 61.5K

popamode72
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Re: May 2015 Garden Cult thread please join us

Postby popamode72 » Wed May 13, 2015 4:09 pm

Vermonster wrote:I only pay for the EX tracker because I don't know of a site that provides a free EX on a weekly basis. I am trying to sort a few things out so my reports are making weekly changes. CK does well enough for TU and EQ. The free FICO is just a bonus.

With some Amex cardholders, they are able to see their EX FICO for free and oldfisherman is right about the Chase Slate.
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)

MemberSince99
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Re: May 2015 Garden Cult thread please join us

Postby MemberSince99 » Wed May 13, 2015 4:29 pm

obxfisherman wrote:
Vermonster wrote:I only pay for the EX tracker because I don't know of a site that provides a free EX on a weekly basis. I am trying to sort a few things out so my reports are making weekly changes. CK does well enough for TU and EQ. The free FICO is just a bonus.



I don't know of a website that pulls from EX, however, if you don't already have a Chase Slate, I recently applied for one and I learned their FICO score is pulled from EX, you apparently can check it as often as you like, so despite sacrificing a HP, the FICO there is essentially free xD That may be an option, granted the card is sort of a dud, but the FICO may be worth. Just a suggestion. :)



My FNBO Dodge Mastercard gives me my EX FICO score free. I currently have them all covered - Citi Double Cash gives EQ, FNBO gives EX, and Discover and Barclay's give TU.

Vermonster
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Re: May 2015 Garden Cult thread please join us

Postby Vermonster » Wed May 13, 2015 5:29 pm

I'm really more interested in seeing the report. If CK offers that, even for a small fee, I would jump on it. I like the free FICO slate offers, but I don't want to waste the no fee BT just for a FICO. I hope they are going to eventually bring it to the freedom or CSP. I'm convincing myself the Slate is just a trial. :P
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

popamode72
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Re: May 2015 Garden Cult thread please join us

Postby popamode72 » Thu May 14, 2015 6:51 am

Vermonster wrote:I'm really more interested in seeing the report. If CK offers that, even for a small fee, I would jump on it. I like the free FICO slate offers, but I don't want to waste the no fee BT just for a FICO. I hope they are going to eventually bring it to the freedom or CSP. I'm convincing myself the Slate is just a trial. :P

I also have that Experian monitoring service which updtes everyday. I was able to get the price reduced by calling into cancel. They reduced my rate to about 8 or 9 dollars a month by phone for the next 5 years.
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)

Vermonster
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Re: May 2015 Garden Cult thread please join us

Postby Vermonster » Thu May 14, 2015 7:30 am

popamode72 wrote:
Vermonster wrote:I'm really more interested in seeing the report. If CK offers that, even for a small fee, I would jump on it. I like the free FICO slate offers, but I don't want to waste the no fee BT just for a FICO. I hope they are going to eventually bring it to the freedom or CSP. I'm convincing myself the Slate is just a trial. :P

I also have that Experian monitoring service which updtes everyday. I was able to get the price reduced by calling into cancel. They reduced my rate to about 8 or 9 dollars a month by phone for the next 5 years.


I will definitely be doing that! We're looking at a mortgage in the next 3 years so I want to make sure everything is a perfect as possible. I like that it updates every day. CK once a week is nice too, but many other sites are once a month or worse.

After my wife being pissed at me for considering apping for a new card, she tells me last night that she wants to get the Jet Blue card. Aparantly it is a bad idea in her mind to app for a card and take advantage of 0% interest, but apping for a card she will literally never use is a good idea. She flys maybe once a year where Jet Blue offers a flight, and if things go our way, we are moving back to Vermont, which might as well be Siberia for Jet Blue.

I think I'm just going to apply for the Amex I want and do things my way. The questions is, EDP or BCP?
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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obxfisherman
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Re: May 2015 Garden Cult thread please join us

Postby obxfisherman » Thu May 14, 2015 9:26 am

Vermonster wrote:

I will definitely be doing that! We're looking at a mortgage in the next 3 years so I want to make sure everything is a perfect as possible. I like that it updates every day. CK once a week is nice too, but many other sites are once a month or worse.

After my wife being pissed at me for considering apping for a new card, she tells me last night that she wants to get the Jet Blue card. Aparantly it is a bad idea in her mind to app for a card and take advantage of 0% interest, but apping for a card she will literally never use is a good idea. She flys maybe once a year where Jet Blue offers a flight, and if things go our way, we are moving back to Vermont, which might as well be Siberia for Jet Blue.

I think I'm just going to apply for the Amex I want and do things my way. The questions is, EDP or BCP?






Can't really speak regarding which Amex, I have The everyday one I think...the regular one. Don't use it that often. Applying for jetblue wouldn't be wise anyway because the partnership is coming to an end later this year I think...at which point it would flip to some other Amex. Of course it may flip to ED or BC not sure how that works.
Cards Currently In My Wallet(See Avatar)
Chase Marriott Rewards Visa Signature (Daily Purchase): 13.4K
NFCU Visa SignatureCash Rewards: 5K
Sheetz Discount Card 3c Off PerGallon Of Gas Everyday

Total Credit Card Limits Roughly: 61.5K



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