July 2015 Garden Club/Cult

For just about anything you want to get off your chest about credit cards.
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AMEXPlatino86
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Re: July 2015 Garden Club/Cult

Postby AMEXPlatino86 » Mon Jul 13, 2015 1:19 pm

CarefulBuilder14 wrote:
AMEXPlatino86 wrote:That's the weird thing. When I was getting my mac laptop and I called them about some promo for financing but they said none was available so I put it on my AMEX Delta then all of a sudden them email me one saying it was available until May of this year. I was so unhappy about that so I doubt I'll use my Barclay for any Apple products.

I'd rather have 12% cash back with Discover.

(1% base + 5% for the online shopping portal), doubled as part of a special promotion.



Don't own a Discover and not a big fan of them so I just opted to get the extra miles and pay it off ASAP
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752


Nixon
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Re: July 2015 Garden Club/Cult

Postby Nixon » Mon Jul 13, 2015 2:53 pm

Only Discover owns a Discover card.
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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Tue Jul 14, 2015 6:08 pm

I saw Seinfeld's "The Contest" the other day. A gardening variant might be unusual. Would anyone be interested, if I put some rules together?

The goal would be to avoid getting new cards you don't really need. Mortgages, car loans, rent inquiries, etc. would be fine.

*No idea for what any rewards could be, but perhaps the bottom half of participants could have to all app for something from Comenity?
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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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Fri Jul 17, 2015 11:55 pm

I just made my first Amex CLI request. I have $4,500 on EDP, and requested $10,000. I got the 7-10 days message.
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

Vermonster
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Re: July 2015 Garden Club/Cult

Postby Vermonster » Sat Jul 18, 2015 4:21 pm

CarefulBuilder14 wrote:I just made my first Amex CLI request. I have $4,500 on EDP, and requested $10,000. I got the 7-10 days message.


Aww don't do that to me. I'm coming up on my 61 day mark next Friday. I know that gravy train has dried up a bit, but I still was hopeful. (TBH I wouldn't give me any more of a CL. :cool: )
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Whatamuji
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Re: July 2015 Garden Club/Cult

Postby Whatamuji » Sat Jul 18, 2015 6:52 pm

CarefulBuilder14 wrote:I saw Seinfeld's "The Contest" the other day. A gardening variant might be unusual. Would anyone be interested, if I put some rules together?

The goal would be to avoid getting new cards you don't really need. Mortgages, car loans, rent inquiries, etc. would be fine.

*No idea for what any rewards could be, but perhaps the bottom half of participants could have to all app for something from Comenity?


If you come up with the rules and rewards I might be into it.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

Ghoshida
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Re: July 2015 Garden Club/Cult

Postby Ghoshida » Tue Jul 21, 2015 10:49 pm

New Discover FICOs came up. I was expecting a big jump downwards this month because (a) three new cards reported (Venture, Cash+ #2, Carlson Visa), (b) 2 new inquiries reported, and (c) I let a lot of balance report, including $2600+ on the Venture ($15k limit).

But the drop was 3 points, so I guess I did ok. The usual nagging about not much of an AAoA (I know 1.2 years won't cut it) and no installment account is still there, but I believe their impact on FICO 08 is lower than FICO 04 / Beacon whatever other animals are there.

How's the Cap One consolidation coming through over here?
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

Nixon
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Re: July 2015 Garden Club/Cult

Postby Nixon » Wed Jul 22, 2015 12:55 am

Ghoshida wrote:New Discover FICOs came up. I was expecting a big jump downwards this month because (a) three new cards reported (Venture, Cash+ #2, Carlson Visa), (b) 2 new inquiries reported, and (c) I let a lot of balance report, including $2600+ on the Venture ($15k limit).

But the drop was 3 points, so I guess I did ok. The usual nagging about not much of an AAoA (I know 1.2 years won't cut it) and no installment account is still there, but I believe their impact on FICO 08 is lower than FICO 04 / Beacon whatever other animals are there.

How's the Cap One consolidation coming through over here?


Balances not reporting is overrated.

The only times I ever saw scores drop due PURELY to balances is when I let several cards report with over 30% utilization on each.
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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Jul 22, 2015 9:29 am

Vermonster wrote:
CarefulBuilder14 wrote:I just made my first Amex CLI request. I have $4,500 on EDP, and requested $10,000. I got the 7-10 days message.


Aww don't do that to me. I'm coming up on my 61 day mark next Friday. I know that gravy train has dried up a bit, but I still was hopeful. (TBH I wouldn't give me any more of a CL. :cool: )

I got the full CLI. My "available credit" on EDP on the Amex website rose $5,500.

No email or letter has arrived yet.

This is my first $10k card. I know I could have gotten one earlier, but I'm glad I took a little longer and got a high CL on a super-useful card.
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

Vermonster
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Re: July 2015 Garden Club/Cult

Postby Vermonster » Thu Jul 23, 2015 8:31 am

Late last night I decided to push the limits again. I know Amex is very strict about 180 days since last cli, so that isn't changing. And Chase will only do it for HP, plus they are calculating a bunch of student loans incorrectly do my debt to to income looks really bad. So that left Citi.

You hear a lot about how they only take HPs for cli unless it's an auto. Well with the new site, there is a luv button, and it tells you when a SP cli is available. I debated it for a while seeing as how my account is barely 61 days old. But in the end I figured "the worst they can say is no." Instant $750 increase. Better, and I'll take it, but I still feel like Citi is being too conservative with me.

For those of you looking for it, It is under "account management" then "request a credit line increase." It will tell you if they will pull your credit report, which they can and will do even if accounts are frozen. Also it is a soft pull if you only enter you income and rent/mortgage. It is a hard pull if you enter a specific credit limit.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k



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