July 2015 Garden Club/Cult

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CarefulBuilder14
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July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Mon Jun 29, 2015 12:37 pm

I know it's a bit early for the July thread, but as I am going to pose a new garden-related question, I figure starting this now is better than having two similar threads going on in early July.

What is the best decision you've ever made about not applying for a card? That is, have you ever been about to apply for a card, decide not to, and later realized it was a really good decision?

In early 2014, when I'd already gotten Freedom but not yet Discover, I almost responded to a mailed ad for a Capital One Platinum (or some variant of it). That's right - I already had a Freedom, and almost got a no-rewards card with an AF on the second year. I figured the more cards and the more history I had of any kind, the better. Plus, my Freedom SL was $600, and I figured any other card would give me more.

Of course, that was before I knew very much and before I started reading on here and MF. I did stop myself from applying, though, realizing in imperfect (but for this case, adequate) logic that in the long run, paying an AF for a card with no rewards didn't make sense when I could get the same extra history from a bunch of no-AF cards and not use them.

So that's the card I'm glad I avoided!

I don't expect to apply for anything in July. I might try to shake down Barclaycard and Discover for some extra rewards.

*I fit in 30 transactions on EDP and successfully switched my IHG bonus from 60k+$50 to 80k+$50.* :)
Last edited by CarefulBuilder14 on Mon Jun 29, 2015 6:22 pm, edited 1 time in total.
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


MemberSince99
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Re: July 2015 Garden Club/Cult

Postby MemberSince99 » Mon Jun 29, 2015 6:01 pm

I'm damn glad I never applied for the Beaver card by OCCU. After that debacle, it's obvious that some lenders are to be avoided at all cost.

No plans or interest in applying for a thing. I'm not gardening for its own sake but just not interested in anything out there. If anything I want to dump another card or two.

I think I can say for sure my "pending" Discover CLI is a denial as it's been 3 business days and it's still the same limit. Oh well the party had to end sometime. God forbid we get a Discover with a grown up limit. I'm starting to feel they may just be a bit too conservative for my tastes. When even Cap One gives me a much higher starting limit that's saying something.

Not closing it yet but it's in the sock drawer despite the double rewards. It's not just that but the fact they are cutting perks as well. I'd say forget the double rewards and let us have a real limit and the perks, but I know I'm probably the only one who feels that way.

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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Tue Jun 30, 2015 11:31 am

I'm also facing a bit of a "pending" problem. I asked Amex if they would duplicate an offer I had used on PRG on my EDP, too. Instead of giving a straightforward "sorry, but no" (which I'd have been okay with) they seemed to send my request into some "research" department so the offer can die without them having to directly tell me "no".

*Freedom's bonus is back to $100, down from $200. I had thought about a desperate attempt to get Chase to replace the 10000 UR bonus I got in 2013 with 20000, but I figure with all my new cards and the fact I just made a request about IHG, it might be best to get back under the radar for a little bit.

Is asking for extra rewards considered bear-poking, or do you have to seek extra credit?

As reported on MF, Discover has apparently closed their double-rewards promo for existing customers. Now only new customers are eligible. I got it as an existing customer, but I'm grandfathered in, as I expect are most credit geeks with a Discover. :) *

*My Brooks Bros account only had a creditor name change. There was no account closed, nor a new one opened. Good news for gardening purposes.*
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 » Thu Jul 02, 2015 1:10 pm

So the Freedom/Discover dining bonanza has ended....back to CSP...

There are also reports of an Arrival+ nerf looming. I don't know how it will affect the no-AF versions.
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

Whatamuji
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Re: July 2015 Garden Club/Cult

Postby Whatamuji » Fri Jul 03, 2015 1:22 am

I had just gotten my Capital One Platinum (No-AF) (Sidenote: why do all Capital One cards have a AF?) in December and a month or so later I got an offer in the mail from One Bank or whatever they're called. I almost signed up for the card thinking it was Capital One. It had a nice limit at the time ($1500) but I'm so glad I did my research on them before I jumped into bed with that terrible company. AF charges up the wazoo along with a bunch of other miscellaneous charges just for the fun of it along with the fact their card is capped at $1500 made me very wary of them. There's a customer who comes through every once in awhile with one of their cards. I feel bad for him every time he pulls it out. In other news I'm super glad I got grandfathered into the Double Cashback promo while I still could. And not gonna be getting any new cards this month or for the foreseeable future till I make some more money. Tried to get a APR reduction thru Capital One online chat and wasn't successful. They said they didn't have any "offers" available to me. No biggie tho since the card is in the sock drawer for the next year.
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

JonE
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Re: July 2015 Garden Club/Cult

Postby JonE » Sat Jul 04, 2015 12:26 pm

At this point I'm down to paying down utilization and waiting for a combination of a baddie falling off in November, getting a higher income job, and just wanting to pay off the Synchrony accounts, and indefinitely sockdrawering them until I can get some better prime cards. By this time next year I hope to be in a better place income wise and having the cards I really want.
Current Cards: Chase Freedom, Discover IT
Future: TBD

Nixon
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Re: July 2015 Garden Club/Cult

Postby Nixon » Sat Jul 04, 2015 1:43 pm

We are in mortgage mode now. No apps, 3mos..






Okay maybe a Citi AA Exec app with EX Frozen. Didn't go very far, no HP. :p
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MemberSince99
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Re: July 2015 Garden Club/Cult

Postby MemberSince99 » Sat Jul 04, 2015 5:40 pm

Nixon wrote:We are in mortgage mode now. No apps, 3mos..






Okay maybe a Citi AA Exec app with EX Frozen. Didn't go very far, no HP. :p



You have just violated the TOS by mentioning that bottom line, and you must be severely punished for your crime against TOS....

Oh sorry, I was challenging MyFICO there for a minute.....never mind.

MemberSince99
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Re: July 2015 Garden Club/Cult

Postby MemberSince99 » Sat Jul 04, 2015 5:41 pm

In honor of MyFICO we should start a thread about MS. :D

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lobbythis
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Re: July 2015 Garden Club/Cult

Postby lobbythis » Sat Jul 04, 2015 6:16 pm

There is no honor in anything related to MF. It is the Reddit of CC forums.



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