November 2015 Garden Cult/Club

For just about anything you want to get off your chest about credit cards.
205 posts
Gamma
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Re: November 2015 Garden Cult/Club

Postby Gamma » Tue Nov 03, 2015 7:08 pm

Nice to see the garden thread thriving with every passing month. Didn't realize many people participate in it. Initially, I thought it was a way to make fun of mf lol.

As for my current standing in the garden, my last app was in August for the Amex RPG 50k offer. 3 months is pretty good as a manufactured spender. I'm probably gonna cool it on the apps for a while seeing how I've pretty much exhausted all the good sign up bonus each major bank offers. Currently happy with my Amex old blue cash, Citi double cash, and discover as my everyday cards.


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CarefulBuilder14
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Re: November 2015 Garden Cult/Club

Postby CarefulBuilder14 » Tue Nov 03, 2015 7:44 pm

[email protected] wrote:
CarefulBuilder14 wrote:BCP is a good "specialty card" for groceries. What signup bonus and AF terms did you get?

ETA: You do know you can make a signature, right?


$1,000.00 spent in 3 months to get $150.00, AF $75 not waived

make a Signature? Don't understand

Discover it $1,000 CL (7-29-15)
Chase Slate Visa $700 CL (7-31-15)
BOA cash rewards Visa Sig. $5,000 CL (7-31-15)
Chase Freedom Visa $4,000 CL (9-01-15)
Cap one Quicksilver one MC $500 CL (9-09-15)
Marriott Rewards Premier Visa Sig. $6,000 CL (10-20-15)
AMEX Blue Cash Preferred $4,000 CL (11-03-15)

I'm talking about this website, not Visa Signature. My signature is:

Everyday use: Hyatt (min spend, then back to CSP), EDP
Occasional use: It, Freedom, IHG, Arrival
Credits/promos/AAoA momentum: PRG, BCE, Brooks Bros, SM

Which automatically appears in each post. I don't have to retype or copy-paste it.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

[email protected]
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Location: Kentucky

Re: November 2015 Garden Cult/Club

Postby [email protected] » Tue Nov 03, 2015 8:21 pm

CarefulBuilder14 wrote:
[email protected] wrote:
CarefulBuilder14 wrote:BCP is a good "specialty card" for groceries. What signup bonus and AF terms did you get?

ETA: You do know you can make a signature, right?


$1,000.00 spent in 3 months to get $150.00, AF $75 not waived

make a Signature? Don't understand

Discover it $1,000 CL (7-29-15)
Chase Slate Visa $700 CL (7-31-15)
BOA cash rewards Visa Sig. $5,000 CL (7-31-15)
Chase Freedom Visa $4,000 CL (9-01-15)
Cap one Quicksilver one MC $500 CL (9-09-15)
Marriott Rewards Premier Visa Sig. $6,000 CL (10-20-15)


How do I do that?
AMEX Blue Cash Preferred $4,000 CL (11-03-15)

I'm talking about this website, not Visa Signature. My signature is:

Everyday use: Hyatt (min spend, then back to CSP), EDP
Occasional use: It, Freedom, IHG, Arrival
Credits/promos/AAoA momentum: PRG, BCE, Brooks Bros, SM

Which automatically appears in each post. I don't have to retype or copy-paste it.
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

[email protected]
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Location: Kentucky

Re: November 2015 Garden Cult/Club

Postby [email protected] » Tue Nov 03, 2015 8:27 pm

Got it now...Signature I mean
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

[email protected]
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Location: Kentucky

Re: November 2015 Garden Cult/Club

Postby [email protected] » Tue Nov 03, 2015 8:31 pm

Do they still do the 61 day 3x CLI at AMEX?
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

kdm31091
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Re: November 2015 Garden Cult/Club

Postby kdm31091 » Tue Nov 03, 2015 9:16 pm

[email protected] wrote:Do they still do the 61 day 3x CLI at AMEX?


61 days is meaningless. You can ask for a CLI whenever. Of course, there is never a guarantee of approval no matter when you ask.

JonE
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Location: Denver

Re: November 2015 Garden Cult/Club

Postby JonE » Wed Nov 04, 2015 12:44 am

Not applying for anything until after the first of the year to pay off the Synchrony cards, get some car payments on record and start trimming the budget slightly.

Although an unfortunate incident with the iPhone 6 Plus and the bathroom toilet caused me to get on AT&T Next to acquire an iPhone 6S Plus, not sure if that'll be a HP on Equifax or not. Since EQ has but one inquiry that will be removed after December I'll probably try for Discover first.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

Nixon
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Re: November 2015 Garden Cult/Club

Postby Nixon » Wed Nov 04, 2015 8:37 am

Crudmenity just became my favorite lender. :cheers:

http://ficoforums.myfico.com/t5/Credit- ... -p/4309871
Image

[email protected]
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Re: November 2015 Garden Cult/Club

Postby [email protected] » Wed Nov 04, 2015 8:59 am

Nixon wrote:Crudmenity just became my favorite lender. :cheers:

http://ficoforums.myfico.com/t5/Credit- ... -p/4309871


Wow!!! I am no where that many inquires, but I have got to cool it on them also. Pretty set now though. Is the AMEX 61 day 3x CLI a HP?
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

Nixon
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Re: November 2015 Garden Cult/Club

Postby Nixon » Wed Nov 04, 2015 9:32 am

[email protected] wrote:
Nixon wrote:Crudmenity just became my favorite lender. :cheers:

http://ficoforums.myfico.com/t5/Credit- ... -p/4309871


Wow!!! I am no where that many inquires, but I have got to cool it on them also. Pretty set now though. Is the AMEX 61 day 3x CLI a HP?


Not an HP.
Image



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