April 2016 Garden Club/Cult

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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April 2016 Garden Club/Cult

Postby CarefulBuilder14 » Fri Apr 01, 2016 8:53 am

Picked up the new Amex/Schwab Platinum yesterday within hours of its launch. I know 40k MRs for $3k spend isn't much, but I'm still eligible for a bonus on the regular Platinum in the future and can use the lounge access and other perks a lot in the next few months.

I probably won't app for anything until July or August at the earliest. I might even garden through the end of 2016. I could definitely make good use of a targeted Amex Delta (Gold or Platinum) offer with a really great bonus. I've got a 50k+$50/$1k offer for Gold, but I want at least 10k more miles.
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


Elijahmex
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Re: April 2016 Garden Club/Cult

Postby Elijahmex » Fri Apr 01, 2016 9:17 am

Nice!

I've got pretty all the cards I want for now minus the CSP that i will apply for in July. Paid off all my credit card balances, booked all my flights & hotels for the next 5 months with the Amex Plat so I easily hit the 3k spending mark. Bring on the bonus Miles! :lift:
It's time for some serious gardening in order to bring that FICO score back up. I was at 750 on 02/20 however I added at least 2-3 accounts so I took a nice hit.
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CarefulBuilder14
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Re: April 2016 Garden Club/Cult

Postby CarefulBuilder14 » Fri Apr 01, 2016 2:33 pm

Man, it is hard to distinguish the "Fool's Day" approval messages from the real ones over on MF...
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

kdm31091
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Re: April 2016 Garden Club/Cult

Postby kdm31091 » Fri Apr 01, 2016 5:01 pm

CarefulBuilder14 wrote:Man, it is hard to distinguish the "Fool's Day" approval messages from the real ones over on MF...


It's weird how excited people get over certain cards

Tubpbs
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Re: April 2016 Garden Club/Cult

Postby Tubpbs » Fri Apr 01, 2016 5:23 pm

kdm31091 wrote:
CarefulBuilder14 wrote:Man, it is hard to distinguish the "Fool's Day" approval messages from the real ones over on MF...


It's weird how excited people get over certain cards


What cards?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: April 2016 Garden Club/Cult

Postby CarefulBuilder14 » Fri Apr 01, 2016 7:32 pm

Tubpbs wrote:
kdm31091 wrote:
CarefulBuilder14 wrote:Man, it is hard to distinguish the "Fool's Day" approval messages from the real ones over on MF...


It's weird how excited people get over certain cards


What cards?

Someone who joked about getting Comenity cards was very excited about actually getting a Ring. I know Nixon likes the opportunity for BT shenanigans, but I still think it's junk if a person has decent cards.

The only Ring I want is Wagner's. :ppp

(Look it up, if you're not Tubpbs or someone else following the "Hobbies" thread).
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

eapa507
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Re: April 2016 Garden Club/Cult

Postby eapa507 » Fri Apr 01, 2016 7:50 pm

I am planning to garden for the rest of this year. I got my student loan refinanced at 3.4%, and I got my Amex BCP. I am going to sit tight until January and then reevaluate my goals. I know I want to PC my chase slate to the new Freedom I have been reading about, and I would like to PC my BOA Amex to something with better rewards.

I am very happy with my updated FICO 8 scores which as of 3/31/16 are EQ-836, EX- 841, TU- 820.

JonE
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Re: April 2016 Garden Club/Cult

Postby JonE » Sat Apr 02, 2016 1:35 am

Besides PCing the Freedom to the Freedom Unlimited, I won't do much in the way of applications. I'd like the CSP and possibly some maybe cards on my list, but that won't get much above 5 or 6 if I get everything, and even that isn't going to happen this year. I still would like to close the Synch cards but won't touch them until I get more.
Current Cards: Chase Freedom, Discover IT
Future: TBD

kdm31091
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Re: April 2016 Garden Club/Cult

Postby kdm31091 » Sat Apr 02, 2016 8:26 am

CarefulBuilder14 wrote:Someone who joked about getting Comenity cards was very excited about actually getting a Ring. I know Nixon likes the opportunity for BT shenanigans, but I still think it's junk if a person has decent cards.


I found the excitement a bit odd. Ring is nice for certain things (low APR, BTs, whatever) but at its core, it's just a basic credit card. Certainly not all that exciting, yet that poster was acting like they found hidden gold. They want to "keep building the relationship" with Barclays, but they're going to do that by spending on a non-rewards, no frills card? What's the gain? To each their own I guess. Then they went one step further and closed their Barclay Rewards (which they seem to have outgrown anyway). So they have just the Ring to "build a relationship" (which I keep putting in quotes because I find the relationship thing kind of overstated).

The OP actually said the card made them less stressed out with work and stuff. Um, ok. It's just a credit card.

Tubpbs
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Re: April 2016 Garden Club/Cult

Postby Tubpbs » Sat Apr 02, 2016 2:10 pm

kdm31091 wrote:
CarefulBuilder14 wrote:Someone who joked about getting Comenity cards was very excited about actually getting a Ring. I know Nixon likes the opportunity for BT shenanigans, but I still think it's junk if a person has decent cards.


I found the excitement a bit odd. Ring is nice for certain things (low APR, BTs, whatever) but at its core, it's just a basic credit card. Certainly not all that exciting, yet that poster was acting like they found hidden gold. They want to "keep building the relationship" with Barclays, but they're going to do that by spending on a non-rewards, no frills card? What's the gain? To each their own I guess. Then they went one step further and closed their Barclay Rewards (which they seem to have outgrown anyway). So they have just the Ring to "build a relationship" (which I keep putting in quotes because I find the relationship thing kind of overstated).

The OP actually said the card made them less stressed out with work and stuff. Um, ok. It's just a credit card.


That's crazy. What does the card have to do with work? That's a weird move. I have the plain BankAmericard, but it's involuntary mostly. It's my oldest and first account and I have tried several times to change it to another product and they don't even pretend to entertain me. I would never apply for that card now (or probably any / most any BoA personal card in general), but I keep it alive for now. We'll see how long it will last. I think I'll have a harder time letting go of the credit than the AAoA when the time comes...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It



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