The Master Farming Support Thread

[Losluv]

I wish some folks that have disappeared lately would come on back too. However, I'm grateful for the smart, crazies we still got.

[nateinva]

I wish some folks that have disappeared lately would come on back too. However, I'm grateful for the smart, crazies we still got.

+10000000000

[TrevorHere]

Sometimes they, including some crazy ones, do come back. It can be a real treat at times...lol

[Losluv]

I know it's been mentioned before but I wish BDK would post. He is smart, funny and generous with his knowledge.

 

Glad we got you, Trevor. And cv. Ah, cv!

[moneypyts]

6 months of farming for me as of this week.

 

TU scores are back up to where they were before 5 new cards in October, and now back up to where they were before R*, even with 9 inquiries now reporting.

 

CLIs from Amex, Lowes, and 2 from Discover.

 

Credit card percent utilization is about the same as six months ago.

 

MP

[TrevorHere]

I know it's been mentioned before but I wish BDK would post. He is smart, funny and generous with his knowledge.

 

Glad we got you, Trevor. And cv. Ah, cv!

I wish BDK would post too.

 

Though, we have you and many other great contributors (and friends) who post regularly. We've all made CB what it is today. Sometimes very good people leave and then come back. Then some who either choose not to (or are way too busy with life) come back. But there are always new ones who join. It's ongoing.

[lilyflower]

I'm done aping for the next three months minimum. I really need to let stuff age. I've been showing Barclays some usage finally so we'll see about a CLI in a billing cycle or two. Discover seems to love me at the moment and keeps giving me $1000 CLI softs. Cap 1 loved my Venture spending and gave me a $3k CLI as I just got back from Europe where I used the card heavily I expect I can get another CLI from them this summer. I did just exceed $170k+ in limits so there's not much I'm itching to get at the moment

 

 

Sent from my iPhone using Tapatalk

[IndyPoolPlayer]

Checking in from the fields - out of the greenhouse and in good ol' Terra Firma. Discovered another batch of 1500 green onions for total of 14,500. Meanwhile I'm still waiting on Amex to emerge from the soil.

[lilyflower]

Got a nice little harvest of $2500 from Barclays to bring my limit to $7500. Also seem to be reaping $1k from Discover every other week

 

 

Sent from my iPhone using Tapatalk

[moneypyts]

After six months since my most recent account opened,

 

* I called FNBO and asked if I had any offers for a CLI on my 6.5 month old card. Yes, increase of $2K from $5K to $7K.

* I've also gotten a $5K CLI from Lowes/Synchrony

* and another $1K CLI from Discover.

 

And, my Bankcard Enhanced Experian FICO from FNBO bumped up from 720 to 734. (3 cards aged from 5 to 6 months old, no other notable aging or changes in balances). (& that's before any of the CLIs).

Edited May 21, 2015 by moneypyts

[moneypyts]

I tried spreereview's Barclaycard APRRR (APR Reduction Request) for my two Barclaycards

See post #18

https://creditboards.com/forums/index.php?showtopic=544190

also posted in MyFico community

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Called-Barclay-For-APR-Reduction-Ended-Up-W-CLi/td-p/3814824

 

Call 1) US Air, 7 months old, called, asked about an APR Reduction, wasn't transferred, no offers available for APR Reduction or CLI.

 

Call 2) Arrival, 1 yr old, recently PC'ed from and Arrival Plus. Transferred to a different rep, and yes, I had an APR reduction offer on file, from 18.99 to 17.99%. With a spoken script to the effect of "though this is only a 1% reduction, taking this reduction will make you more eligible for other offers in the future." I accepted. When asked if there was anything else she could help me with, I asked if I had any other offers on file, and yes, I had an offer for a CLI without a hard pull. She asked my income, and increased the Arrival's limit $3000. And asked if there was anything else, I mentioned my US Air card and asked if there were any offers for it. Yes, an offer for another $3000 CLI.

And, for the record, I had been keeping both cards at about 30% utilization, as per the guidance in this thread.

https://creditboards.com/forums/index.php?showtopic=514657

 

I also called US Bank, they said CLI no offers on file for my 7 month old card. But that I had received an offer in November, when it was only 1 month old, from $6K to $10K. She poked around to see if it could be retroactively accepted, but no, it had expired. I asked how I was notified, she said it would have been a written offer in the mail. And she assured me that I would likely get another offer soon, keep an eye on my snail mail, because Spring Quarter was starting soon, and that's when they send out offers. Or something to that effect.

 

Next steps -- try out Mendolson's Chase CLI strategy.

https://creditboards.com/forums/index.php?showtopic=544258&hl=

 

MP

Edited May 28, 2015 by moneypyts

[IndyPoolPlayer]

Well if this isn't a rabbit eating my garden... just sent in a request for new fiber optic internet service that's coming to the neighborhood. Ended up with double pull on TU.

[IndyPoolPlayer]

Hmmm... almost 45 days since I submitted 4506T to Amex for a CLI consideration. *tap tap tap tap*

It seems my Amex CLI request with 4506T was dropped on the floor at Amex. Then again I did see this in the Mortgage area:

 

https://creditboards.com/forums/index.php?showtopic=545182&p=5294188

 

I wonder if the IRS is limiting access to 4506T's after the season of fraudulent tax returns and ID Theft hacks?

[IndyPoolPlayer]

It's getting really hard to stay out in the farm fields. It's somewhere around 90º/90% and a heat index of scorching. Too tempting to cool down and add something to the portfolio it's almost 6 months since my last new accounts

 

MUST. NOT. APP.

[cashnocredit]

It's getting really hard to stay out in the farm fields. It's somewhere around 90º/90% and a heat index of scorching. Too tempting to cool down and add something to the portfolio it's almost 6 months since my last new accounts

 

MUST. NOT. APP.

 

Umm, What's an APP ? Been so long I've forgotten......

Oh, now it comes back to me......

[mrage]

I need to check in here. Cooling off for 6 months in anticipation of an auto loan. Took a pull on June 1 on EX and EQ for the Chase Freedom and was denied despite 2 recon attempts for too many new accounts. It's really difficult not to kneejerk app for something else just to see an approval. Just got a CLI to 25k on my BCP which felt nice, and I have some other CLI attempts to look forward to, but that Freedom denial is still irking me a month later, lol.

[dcowboy08]

Patience is not my best attribute. But professional gardening is.

[IndyPoolPlayer]

Meanwhile on the farm a little bit of mid-season success with a $800 CLI on Menard's (Crap One) for a $4100 total CL.

[Tileguy61]

No apps since February... Current Citi HHonors offer for 75k points wearing down my resolve. Was/am looking to stay clean until February 2016. $30k in CLI's since February have really helped, but that well is dry for the moment.

[JeffeVerde]

No apps since February... Current Citi HHonors offer for 75k points wearing down my resolve. Was/am looking to stay clean until February 2016. $30k in CLI's since February have really helped, but that well is dry for the moment.

 

If it helps, the HH offer runs thru Sept 30 - so you can squeeze in 12 more weeks of farming before the deadline

 

But if you're really trying to stay clean till next year, I'm pretty sure I remember a 75k HH offer back in February (but it might have been the AmEx HH). So there will probably a new offer right around the time you end your fast.

Edited July 11, 2015 by JeffeVerde

[cv91915]

Has anyone heard from OP recently? It's been a while since anyone's gone Bakersfield chimp on me.

[Tileguy61]

Has anyone heard from OP recently? It's been a while since anyone's gone Bakersfield chimp on me.

negative...

[Tileguy61]

 

No apps since February... Current Citi HHonors offer for 75k points wearing down my resolve. Was/am looking to stay clean until February 2016. $30k in CLI's since February have really helped, but that well is dry for the moment.

 

If it helps, the HH offer runs thru Sept 30 - so you can squeeze in 12 more weeks of farming before the deadline

 

But if you're really trying to stay clean till next year, I'm pretty sure I remember a 75k HH offer back in February (but it might have been the AmEx HH). So there will probably a new offer right around the time you end your fast.

 

Fell off the wagon... Chase Marriott for $25.4k. Now the Hilton is looking more attractive. Good to know that Citi offer is good until September, but I'm thinking about taking the hit now and letting them age together. So much for farming... I need a new ox. Mine wore out.

[bluesmap]

i dont know why im still in the farm. got some roses growing on one side of the garden, 1 inquiry, no balances reporting (well, $95 reporting) and about 16k of credit.

i like where i am but it might be time to leave the garden and go bring some new cards back to the farm

most likey i will upgrade my regular usaa to a military usaa account, then request a CL from $11000 to $25000 once my account has been upgraded. NEXT, apply for a NFCU cash card, hopefully get a CL over $10,000. Onward to the citi double cash card...... and finally apply for amex platinum. i'm not sure i'll go 4 for 4, but i know i'll be bringing some goodies back. MY TU08 is 762, the others should be close to it.

 

anyone want some seeds?

[bluesmap]

fyi ive been gardening for about 2.5 years.....roughly.....

i cant believe its been so long

Edited July 11, 2015 by bluesmap