July 2016 "Garden" Club

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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July 2016 "Garden" Club

Postby CarefulBuilder14 » Fri Jul 01, 2016 4:48 pm

Q2 bonus categories are dead!

Long live Q3 bonus categories!
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


To My Credit
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Re: July 2016 "Garden" Club

Postby To My Credit » Fri Jul 01, 2016 5:55 pm

Just bought a new laptop computer on Amazon with my Discover to capitalize on the 10% cashback. I've been using my current one for about 4 years now and it's starting to crash. I'm not going to apply for another credit card until December of this year, at the earliest, so I'm officially in the garden.
Current cards: BankAmericard CR, BankAmericard BBR, Citi Double Cash, Chase Freedom, AmEx BCE, Discover It
Wishlist: US Bank Cash+

Tubpbs
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Re: July 2016 "Garden" Club

Postby Tubpbs » Fri Jul 01, 2016 7:14 pm

I will likely be leaving the garden this month, but nothing is certain.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

4ktvs
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Re: July 2016 "Garden" Club

Postby 4ktvs » Fri Jul 01, 2016 8:02 pm

Got approved for the Blispay with a Limit of $4.8k. I was waiting for days thinking the wait 7-10 days statement after they asked me call in was a rejection.

I am much happier with $4.8k VS $1.3k on my %2 FNBO card that I will likely close at some point down the road.
Last edited by 4ktvs on Fri Jul 01, 2016 9:44 pm, edited 1 time in total.

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CarefulBuilder14
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Re: July 2016 "Garden" Club

Postby CarefulBuilder14 » Fri Jul 01, 2016 9:11 pm

Tubpbs wrote:I will likely be leaving the garden this month, but nothing is certain.

Have a shortlist of possible cards/offers?
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

Tubpbs
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Re: July 2016 "Garden" Club

Postby Tubpbs » Fri Jul 01, 2016 10:56 pm

CarefulBuilder14 wrote:
Tubpbs wrote:I will likely be leaving the garden this month, but nothing is certain.

Have a shortlist of possible cards/offers?


I have a semi plan but I'm not all the way sure and I believe in jinxing so I'm gonna keep it private until it's done one way or another.

I'm trying to manipulate my scores / reports but so far it's not working. My utilization was already basically nothing but it's not taking any changes right now.

I haven't applied for a personal credit card in a year. I have incurred several inquiries since for business purposes (probably 5 or so on Experian for business and 1 or 2 on TU and EQ - which is a lot relative to my person inquiries), but nothing for myself.

Also have a utility company reporting as a new account which isn't ideal in the short run, but will actually be good in the long run - more positive account history etc.

I'll let you all know when it is or isn't done.

Don't have a plan for certain outcomes. We'll see.
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: July 2016 "Garden" Club

Postby CarefulBuilder14 » Thu Jul 07, 2016 12:02 pm

I've been pretty busy lately with non-CC headaches, and have only been using a few cards:

Sallie Mae: Groceries and gas
Freedom: Restaurants and Costco
CSP: Miscellaneous travel, some bills
Hyatt: Miscellaneous tax-deductible stuff
Prestige: Everything else (which has been most of my spending)

SchwabPlat, AAPlat, and IHG are mostly just for perks now. I'm using Prestige for home improvement and Amazon purchases instead of Discover, mostly for the extended warranties and low-hassle price rewind. I think my Discover double cash back period has ended, anyway.

Amex offers have dried up, so BCE and ED are of limited use, and will remain in the SD. Brooks Brothers and Arrival are also there.
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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Vattené
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Re: July 2016 "Garden" Club

Postby Vattené » Thu Jul 07, 2016 4:34 pm

CarefulBuilder14 wrote:I think my Discover double cash back period has ended, anyway.

You think it has ended but you haven't seen the bonus posted yet? I know when I activated the double cash back promo they said it would begin at the next statement date. My impression was it would post immediately after the next 12 cycles, like how the regular cash back earned in a cycle posts immediately when the statement cuts, but I could be wrong.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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CarefulBuilder14
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Re: July 2016 "Garden" Club

Postby CarefulBuilder14 » Thu Jul 07, 2016 4:51 pm

Vattené wrote:
CarefulBuilder14 wrote:I think my Discover double cash back period has ended, anyway.

You think it has ended but you haven't seen the bonus posted yet? I know when I activated the double cash back promo they said it would begin at the next statement date. My impression was it would post immediately after the next 12 cycles, like how the regular cash back earned in a cycle posts immediately when the statement cuts, but I could be wrong.

It hasn't posted yet. After a little more research, it does sound like it's the statement date that marks the start and stop for eligible purchases, but that it might take another month or two for the second half of the cash to actually post. Maybe I'll use Discover for some Amazon digital content.
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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Vattené
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Re: July 2016 "Garden" Club

Postby Vattené » Thu Jul 07, 2016 5:01 pm

That could certainly be the case. It takes longer for bonus CB through the portal to post, so it may be treated like Discover Deals and promotional cash back and take another cycle or two to show up.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now



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