The Master Farming Support Thread

[mec]

I'm up to 8 days.

 

But I'm getting a little nervous over what is going to happen when I finish the bonus spend.

[mizliz1011]

I figure I can do the bonus spend on my SEVEN new cards by the end of next weekend, if all goes according to Hoyle with various M$.

 

What on earth am I to do with a looming deadline for spg biz and plat targeted offers.

 

I mean, 35K points and 150K MR is calling my name. And then gardening for a YEAR at least.

 

Chase still has me BL but they have the only cards I still want. Maybe a Citi Hilton but I am not feeling the BERN except for those two.

 

I Must App, then do major spend, then RELAX. I promise I will, really...

[trachkids]

I figure I can do the bonus spend on my SEVEN new cards by the end of next weekend, if all goes according to Hoyle with various M$.

 

What on earth am I to do with a looming deadline for spg biz and plat targeted offers.

 

I mean, 35K points and 150K MR is calling my name. And then gardening for a YEAR at least.

 

Chase still has me BL but they have the only cards I still want. Maybe a Citi Hilton but I am not feeling the BERN except for those two.

 

I Must App, then do major spend, then RELAX. I promise I will, really...

You have come so far & achieved so much...you can do it

 

Edit: Dbl post

Edited March 20, 2016 by trachkids

[Konrad2012]

Yes, Farming is hard work. Research, reading, apping, reconning, groveling, fighting.

Can't app 2 BofA cards in one day? Screw that

Can't get a BofA CLI in under 6 months? Screw that

Can't get huge Lowes CLI without heavy spend? Screw that

Wishy wash D* is dead? Screw that

Cant B* EX? Screw that

Can't recon 4 times and get a different answer? Screw that

Gardening is sitting on your flowers and doing nothing. Ive never been that person. Ill never be that person. Even if it's to my detriment. If you find me on my flowers doing nothing, get a body bag and radio a dustoff cause I'm dead...

 

I forgot about this, and how the thread title was changed. This was at one time the gardening support thread.

[HeatFan2015]

 

Yes, Farming is hard work. Research, reading, apping, reconning, groveling, fighting.

Can't app 2 BofA cards in one day? Screw that

Can't get a BofA CLI in under 6 months? Screw that

Can't get huge Lowes CLI without heavy spend? Screw that

Wishy wash D* is dead? Screw that

Cant B* EX? Screw that

Can't recon 4 times and get a different answer? Screw that

Gardening is sitting on your flowers and doing nothing. Ive never been that person. Ill never be that person. Even if it's to my detriment. If you find me on my flowers doing nothing, get a body bag and radio a dustoff cause I'm dead...

 

I forgot about this, and how the thread title was changed. This was at one time the gardening support thread.

Awesome!

[AZCardfan12]

I am a member of AA too . App Anonymous ! My last hard pull( got Chase Freedom ) was December 30th 2015. I want to try to make it to the end of the year and then maybe get a Chase CSP among a few others...just working on 2 CLI from Cap one...already got half of one Cli....I do OK as long as I don't look at all the offers...but Discover sends me a Pre approved mail.offer every 3 weeks....just trying to stay strong...focused....so far...so good

 

Sent from my XT1254 using Tapatalk

[mec]

Someone's ready for a Chase spree.

[trachkids]

I cheated a little, but no HIs since last Friday. Had EQ/TU frozen, so I spent 2 Exp pulls for 2 more Amex revolvers & a Marriott. Called Chase yesterday & transferred the CL to my 2007 Freedom, then PC'd to a Sapphire.

 

Amex made it abundantly obvious that they think I need to stop & garden. They approved, but w/ $1k limit on both

[mizliz1011]

I got the 150 MR big Plat but was turned down for biz SPG. A message from the Gods, clearly.

 

I would rather have the plat than the spg but was disappointed nonetheless.

 

8 new good CC and a 2x CLI on BCP is pretty terrific and EQ is clean at last.

 

I hardly need to weep into my soup.

 

I don't need to garden, I need to start composting my entire life!

 

Great on getting a line, any line. now you can grow it. Like hair!

[trachkids]

Congratulations Liz! I'm so glad your EQ came clean again & you were so successful

 

 

Sent from my iPhone using Tapatalk

[deanmartini]

I'm on day 7 app free. I can do it this time. I had to leave the farm for a bit to get the new Jetblue with 30K signup bonus. DCA is 15 minutes from me and I fly them already. Also approved for the Chase Ink Plus for my new small business Back to farming. I don't see anything on the horizon...

[trachkids]

I'm on day 7 app free. I can do it this time. I had to leave the farm for a bit to get the new Jetblue with 30K signup bonus. DCA is 15 minutes from me and I fly them already. Also approved for the Chase Ink Plus for my new small business Back to farming. I don't see anything on the horizon...

Congrats on the JB & Ink!

[mec]

Just 2 hours and 35 minutes to go on the east coast people ... stay strong.

[mizliz1011]

are we allowed to finance backhoes for farming... does that count...

[prisskitajoe]

Well, I'm new to the farm! As of today, I'm breaking ground.

[mizliz1011]

those are some impressive numbers in your BK7.

 

I would not go on an spree with them!

[prisskitajoe]

those are some impressive numbers in your BK7.

 

I would not go on an spree with them

I did a separate post on my $200k BK. My spree was done within the last month. I went from $1300 in CLs to over $70k. My numbers took a little hit during that spree, so I'm in the garden for the rest of the year. I'll be back in January to get an awesome 0% balance transfer deal so I can roll my car balance.

Edited April 1, 2016 by prisskitajoe

[mizliz1011]

 

those are some impressive numbers in your BK7.

 

I would not go on an spree with them

I did a separate post on my $200k BK. My spree was done within the last month. I went from $1300 in CLs to over $70k. My numbers took a little hit during that spree, so I'm in the garden for the rest of the year. I'll be back in January to get an awesome 0% balance transfer deal so I can roll my car balance.

 

Balls of steel. I am impressed.

I am still blacklisted with Chase for a fairly small account.

Even offered to secure a small CL with a CD, no way, Jose.

[prisskitajoe]

 

 

those are some impressive numbers in your BK7.

 

I would not go on an spree with them

I did a separate post on my $200k BK. My spree was done within the last month. I went from $1300 in CLs to over $70k. My numbers took a little hit during that spree, so I'm in the garden for the rest of the year. I'll be back in January to get an awesome 0% balance transfer deal so I can roll my car balance.

 

Balls of steel. I am impressed.

I am still blacklisted with Chase for a fairly small account.

Even offered to secure a small CL with a CD, no way, Jose.

 

You're impressed and I'm in shock!

[Wai8forCredit]

Is there a plot of land for a new poster just out of lurkdom? I handle my family's finances which means I'm working on two sets of credit scores, mine and DH's. His scores are mid-to-high 600s. Mine are about 50 pts lower than his in the low-to-mid 600s. We need to farm to have time to pay things off and get our scores higher. We will also have some things coming off our reports by the end of the year. I want to stay farming until our scores have come up at least 25 pts each, maybe more.

[mizliz1011]

what cards do you have... as you can get CLI on some. plan ahead for what you will get when your score rise up. Good luck.

[Wai8forCredit]

Hi, I think We've done pretty good with cards and CLIs. I've been lurking here constantly.

I started working on DH's credit two years before I started on my own. He has Chase co-branded (SWA & Disney), Barclaycard Rewards, Cap 1 GM, QS & QS1 (working on a combination as soon as the QS1 is six months old), Citi DC, Target and HSN. Everything is new except for the GM Card, Barclay card, which is about eight months old and the Cap 1 QS was just PC'd from a year-old Plat this month. His oldest cards were FP, Credit One and Merrick. The FP was paid off and canceled. We are working on doing the same with the other two, although we may keep Merrick for a little while longer. The older cards are two to three years old. I'm an AU on all the newer cards.

I have two almost year old secured cards BOA Rewards ($300) and Cap 1 ($200 - CLI to $500 now.), four month old Barclaycard, seven month old Merrick and new PP Connect, Amazon Prime Store, FullBeauty and Dress Barn. Both the secured cards are paid off and I'm thinking about the best time to close them. DH also has a FullBeauty card which I am an AU on and I've used it. Now that I have my own, his will be paid off and closed. I have a Fingerhut card with about $70 left on it too. That card and the PP Connect are the only store cards with a balance. The only reason I let them report a balance is to show payment history. We pay at least twice the minimum payment on all the major cards, usually more than twice the amount. The other, newer store cards will be PIF every month. After we get everything paid off the goal is to PIF everything, every month, except for one card which will have vacation and emergency, (car repairs), balances, Outside of cards we have a car loan which we pay about $50 over the loan amount, every month, to pay off the principal faster.

We've clicked the luv buttons on all the accounts at the appropriate time. All the Cap 1 cards are due for a CLI in the next couple of months, except the DH's QS and GM cards. The QS got a nice Luv button CLI just before it was PC's. The GM card just got an auto CLI this month. I called the phone number for a CLI on the PP Connect ($300) as soon as I got it and was denied.

We've got an old card loan and some CO'd CC's due to fall off our CR's before the end of the year. DH will be almost clean this time next year when his last CO CC comes off his report, sooner if we can get them removed earlier thru the CRAs. The only thing he will have left then is about six four year old auto loan late pays from 4.5 years ago. One of them being 60 days late. At that point I will have the same late pays plus three other Swiss Colony COs and a Comcast collection. Our account was in my name. Those will fall off in 2018 & 2019 unless we can get them off earlier.

 

I was wrong about getting our scores up 25 pts each. They really need to come up about 50pts each before we can continue. We have a spreadsheet with goals. DH is pretty much set after the older, fee-ladden cards are gone. I have a lot more work to do. First goal is getting two of his Cap 1 cards combined. Second is getting my QS1 cards combined and getting them PC'd to QS. I need to pay one of them off first. Graduating my secured BOA, if I don't cancel it first and waiting for the PP Connect to be upgraded to a PP MC. I'd also like my own Chase SWA, instead of being a AU, since I do most of the flying and all the trip planning. I'm aiming for the SWA card up to 24 months from now. After all that a high-limit Venture or AMEX each might be nice. These goals are why I want to farm.

Edited April 16, 2016 by Wai8forCredit

[mec]

I'm trying to let my many new accounts age while getting eligible for an AMEX revolver... by showing them that I am a month in and month out spend and PIF customer. The only thing that could tempt me to app right now is if I felt I could get a Chase core or United product or possibly the TD aeroplan card. But I'm not that apper yet. When my Ex goes over 750 someday it will be tempting to try and get some of those secondary airline cards, but I would be better off if I could wait long enough to get the Chase 5/24 products as the kickoff of a spree.

April 2018 is a long time to garden though ... but I know it's what I should do. I have room for 2 cards before that if 5/24 holds and Ink and United move into that camp. And one slot is already reserved for EDP.

The other card should be one of the Chase cards that may move under 5/24. Maybe United as I could burn those miles through Star Alliance in 2017 and cancel the card... and maybe Ink as I could use those categories to accumulate URs over the next two years. But my natural spending patterns fit better with EDP and PRG categories than with Ink categories and less juggling between Chase and AMEX may make life simpler.

Over the long Hall simpler may be better.

Thanks for the therapy session doc.

Edited April 17, 2016 by mec

[Wai8forCredit]

Mec, I'm working on simpler too. I took a look at my plan a little while ago and realized I didn't need most of what I had on it.

[cv91915]

Whose week is it to visit JayB27 in prison?