March 2014 Garden Club Meeting

For just about anything you want to get off your chest about credit cards.
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otter
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Location: Grand Forks, ND

Postby otter » Sun Mar 02, 2014 7:10 am

craigm1 wrote:guys look at my signature any recommendations to add to my arsenal???

just checked my fico score is 802

craigm


Your credit score (and CL's) are way too high, craig! Usually, I tell people that it takes time to fix their credit woes, but yours can be fixed literally overnight...

  1. Go to your local liquor store and buy a bottle of Absinthe.
  2. Go home and drink!
  3. You're not drinking enough, craig! Grab a funnel and do it right!
    .
    .
    .
  4. Wake up the next morning with the worst hangover ever.
  5. Read your e-mail. Yes you've got a lot of approved messages- from Credit One, Cap One, First Premier, and of course 80+ from commenity.
  6. Wait for the phone call from Amex's FR department.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450


thom02099
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Postby thom02099 » Sun Mar 02, 2014 9:35 am

One other step....go to "that other place" and start a thread "wooo hooo...I got (fill in the blanks)...." and wait for all the "congrats" and "+1"
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

MemberSince99
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Location: WI

Postby MemberSince99 » Sun Mar 02, 2014 10:43 am

thom02099 wrote:One other step....go to "that other place" and start a thread "wooo hooo...I got (fill in the blanks)...." and wait for all the "congrats" and "+1"



My God you hit that one on the head. There are some people there with thousands of posts the VAST MAJORITY of them being "Congrats +1" I see that over and over. When three other people have already congratulated someone, what's the point of being #4 if that's all you have to contribute? Just to get your posts count up?

thom02099
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Postby thom02099 » Sun Mar 02, 2014 1:46 pm

MemberSince99 wrote:My God you hit that one on the head. There are some people there with thousands of posts the VAST MAJORITY of them being "Congrats +1" I see that over and over. When three other people have already congratulated someone, what's the point of being #4 if that's all you have to contribute? Just to get your posts count up?


+1 (Couldn't resist !) :-)
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

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otter
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Location: Grand Forks, ND

Postby otter » Sun Mar 02, 2014 2:47 pm

MemberSince99 wrote:My God you hit that one on the head. There are some people there with thousands of posts the VAST MAJORITY of them being "Congrats +1" I see that over and over. When three other people have already congratulated someone, what's the point of being #4 if that's all you have to contribute? Just to get your posts count up?


I think there's one guy (Alvin123) whose entire posting history is "Congrats!" X 5000 posts.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

JoDa
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Location: United States

Postby JoDa » Mon Mar 03, 2014 3:57 am

Hrm...my CSP was a "drapp" (when I drink I mean it). I actually saved the approved page and had to look at it again the next morning to make sure I wasn't seeing things...

In combination with that, I'm happy with Chase just throwing more money at me every 6 months. Save an app, ride an auto CLI?
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

craigm1
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Location: toms river nj

Postby craigm1 » Mon Mar 03, 2014 7:20 am

otter wrote:Your credit score (and CL's) are way too high, craig! Usually, I tell people that it takes time to fix their credit woes, but yours can be fixed literally overnight...

  1. Go to your local liquor store and buy a bottle of Absinthe.
  2. Go home and drink!
  3. You're not drinking enough, craig! Grab a funnel and do it right!
    .
    .
    .
  4. Wake up the next morning with the worst hangover ever.
  5. Read your e-mail. Yes you've got a lot of approved messages- from Credit One, Cap One, First Premier, and of course 80+ from commenity.
  6. Wait for the phone call from Amex's FR department.


you recommend chilling my amex is back dated to 89 would hate to screw that up
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

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otter
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Mon Mar 03, 2014 8:31 am

JoDa wrote:Hrm...my CSP was a "drapp" (when I drink I mean it). I actually saved the approved page and had to look at it again the next morning to make sure I wasn't seeing things...

In combination with that, I'm happy with Chase just throwing more money at me every 6 months. Save an app, ride an auto CLI?


You still have a Target Visa JoDa? I thought they did away with those...
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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otter
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Mon Mar 03, 2014 8:36 am

craigm1 wrote:you recommend chilling my amex is back dated to 89 would hate to screw that up


Yeah, I see your Amex is your highest CL card. Must be nice... my Amex card is my lowest limit card (they rejected my 60 day CLI). No worries... My BCE card = Beneath Cotton Everyday.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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djrez4
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Postby djrez4 » Mon Mar 03, 2014 1:22 pm

Whoops! I have a Citi AA Exec WMC coming. Couldn't pass up 100k miles. I may even get a second one. Does that make me a bad person?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]



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