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Posted (edited)

Called Barclay & tried the apr reduction/SP CLI trick...no go:( Just did it in October...Willpower not to app now

 

Can I please borrow a spade or rake & can someone please show me how to use it???

 

 

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Edited by trachkids
Posted

When you need the credit and they don't want to give it to you it is an indication that you probably should not get it.

 

I can look back at denials of credit and see the sense of it in retrospect.

Posted

Called Barclay & tried the apr reduction/SP CLI trick...no go:( Just did it in October...Willpower not to app now

 

Can I please borrow a spade or rake & can someone please show me how to use it???

 

Sent from my iPhone using Tapatalk

I hear ya screamin brotha! You are not alo!! ;)
Posted

Seems like when i get approved for something i want to app for all the ones on my bycket list. Hard to make myself wait and space apps prudently as scores have been improving, but wait prudently i will unless Tampa Dude dares me :)

Posted

Not to be rude but what kind of income are you talking about. ..homes get expensive quick. .furnace. .ac...water heater

 

USDA Direct loan. Found a potential property. Anything like water heater or furnace not estimated to last at least 5 yrs, they recommend replacing and can roll the cost into the loan. A/C is not an issue for me, I hate it and just use ceiling fans. Course the weather doesn't get super hot where I live either. A few nice shade trees and ceiling fans is all I need.

Posted

Never thought I'd be in a position where it was difficult to not apply for a credit card :grin:

 

One month down, gardening until my scores come up to apply for bank CC.

Posted

Never thought I'd be in a position where it was difficult to not apply for a credit card :grin:

 

One month down, gardening until my scores come up to apply for bank CC.

It only gets better with the advice of the Smart Guys/Gals on CB. ;)
Posted

Walmart tried to rein me in again but I said no. Holding out for the score increase with baddies dropping up and applying for an actual prime card down the road.

Posted

Walmart tried to rein me in again but I said no. Holding out for the score increase with baddies dropping up and applying for an actual prime card down the road.

Wait for the free 12 pack for applying deal. ...

Posted

 

Walmart tried to rein me in again but I said no. Holding out for the score increase with baddies dropping up and applying for an actual prime card down the road.

Wait for the free 12 pack for applying deal. ...

Ha!

Posted

Day 2 since BBVA app and approval and 1 day since successful 2x cli with amex ed, don't know how long i can hold out, really would like the amex bcp, then of course I'd have to do the 2'fer with PRG. just breathe... right?

Posted (edited)

Day 2 since BBVA app and approval and 1 day since successful 2x cli with amex ed, don't know how long i can hold out, really would like the amex bcp, then of course I'd have to do the 2'fer with PRG. just breathe... right?

Breathe in, breathe out

 

Edited for ANOTHER dbl post...what's up w/ tapatalk? Ugh

Edited by trachkids
Posted

 

Day 2 since BBVA app and approval and 1 day since successful 2x cli with amex ed, don't know how long i can hold out, really would like the amex bcp, then of course I'd have to do the 2'fer with PRG. just breathe... right?

Breathe in, breathe out

Edited for ANOTHER dbl post...what's up w/ tapatalk? Ugh

Lol, thanks Trach!
Posted

I really need a new hobby. Seriously ashamed of my inability to do what I KNOW I need to do & exercise self restraint

 

Ran out of the garden yesterday...got Amex SPG & Delta. Also got Chase Marriott.

 

 

Sent from my iPhone using Tapatalk

Posted

I really need a new hobby. Seriously ashamed of my inability to do what I KNOW I need to do & exercise self restraint

 

Ran out of the garden yesterday...got Amex SPG & Delta. Also got Chase Marriott.

 

 

Sent from my iPhone using Tapatalk

Congrats Trachkids, it's "Stengthing" your credit profile long term. At least that's what i tell myself. ;)

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