Who here is gardening?

For just about anything you want to get off your chest about credit cards.
43 posts
websteth
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Location: Florida

Postby websteth » Sun Jan 26, 2014 8:13 pm

Was in the garden for about a year but just did the US Airways and AAdvantage cards to stock up on miles. Hey, two free flights isn't bad once they combine. Not much else out there right now though to spark any interest for me personally.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard


BirthdayBoy
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Location: Monterey, CA

Postby BirthdayBoy » Mon Jan 27, 2014 10:47 am

I hear that if you cancel all your cards and garden for 10 years, they raise the limit on your FICO score to 900. Once you do that, it's simply a matter of using the shopping cart trick to get 27 Comenity cards, and you're gold.
Ficos:
Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685

Cards:
First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)

MemberSince99
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Location: WI

Postby MemberSince99 » Mon Jan 27, 2014 12:45 pm

If I do all that, do I get the platinum/titanium alloy spade encrusted with rare jewels?

BirthdayBoy
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Location: Monterey, CA

Postby BirthdayBoy » Mon Jan 27, 2014 12:49 pm

If you do that, you BECOME the spade.
Ficos:

Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685



Cards:

First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)

MemberSince99
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Location: WI

Postby MemberSince99 » Mon Jan 27, 2014 1:15 pm

Can you throw in a date with 09Lexie?

BirthdayBoy
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Postby BirthdayBoy » Mon Jan 27, 2014 1:25 pm

10 years of gardening makes you two Common Law spouses.
Ficos:

Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685



Cards:

First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)

peaches
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Location: DC

Postby peaches » Wed Jan 29, 2014 9:17 am

Speaking of FICO idiots, I recently posted an app spree involving barclay's and us bank, from both of which I got approvals. Anyway, no less than three people warned me about those two banks closing my accounts if I'm not "careful" with opening too many accounts at once. First of all, I've already applied for all 4 cards in my app spree so I can't un-apply for them even if I wanted to heed their warnings. And second, it's just kind of annoying and alarmist to try to scare everyone who got approved at these banks into gardening for 10 years just because someone else got their account closed by these banks for god knows why!

hematino
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Location: Atlantic City, NJ

Postby hematino » Wed Jan 29, 2014 11:17 am

Barclays really does take AA on people who open too many accounts in a short amount of time. I don't know what exactly triggers it because everyone's credit profile is different, but they closed my US Airways card back in 2012 after 6 months (no spending after getting my first purchase 40k miles), with maybe 9-10 accounts opened in between. I don't know if it was more the inquiries or the new accounts, they kinda did me a favor though cause it was getting cancelled on anniversary anyway. US Bank never did anything to me.

That being said, while Barclays does sometimes throw a tantrum and close or decrease limits on accounts for opening too many for their liking, it seems to not be as common as the gardeners at FICO and elsewhere would have you think. I wouldn't sweat it despite what the naysayers tell you. And even after all that, they approved me for a new account three months later, and I now have three cards with them and I'm making plenty of rewards off of them.

Enjoy your new accounts, and remember that the garden is full of weeds.
Now she's eyeless.
The snakes she held once
Eat up her hands.

MemberSince99
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Location: WI

Postby MemberSince99 » Wed Jan 29, 2014 12:14 pm

US Bank, as far as I've seen, doesn't care about new accounts. I've had an account with basically US Bank since 2011, and I've opened a hell of a lot of new accounts since then, and no AA against me at all. In fact they auto CLI'd me. (US Bank is Elan which handles the cards for ASsociated Bank but I also had a Cash + card).
If ever anyone would have been the poster child for AA for too many new accounts I would have surely been it, but nothing from them, which tells me it's not likely they care about that.
Amex is also rumored to not like it but I've never seen any evidence that's true. I know it's always YMMV but again I've opened plenty of accounts and no AA from them either.
Barclay's though does seem to be another animal. The best I've read is, IF you were marginal to get approved (you had to recon) they MAY take action against you. Again always YMMV but it seems with Barclay's the fear is not overblown. Most poeple don't have an issue but some do.
So yeah if you got approved on recon and you care about the card it might be good to not do too much new in the next 6 months. Otherwise, why go through life worrying about what one lender may or may not do? It's pointless.

nvtech
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Location: USA/North Carolina

Postby nvtech » Wed Jan 29, 2014 3:22 pm

I am in to the Garden since Nov 2013.

Got screwed with 6 hard pulls on one single day while shopping for a Car loan.
Pretty much have all the good cards between me and my wife and I Plan to be in the garden till Aug-Sep 2014.

Have plans to buy a house.



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