I don't know if I ever want to leave the garden!

[chwebb1]

So since I started gardening in September 2014, I've gotten a bunch of APR reductions and CLIs.

Here's what I've gotten so far:

APR Reductions:

AMEX BCE: 17.99% to 14.99%

BoA Cash Rewards: 19.99% to 12.99%

BoA BBR: 18.99% to 11.99%

Citi DoubleCash: 17.99% to 15.99%

Discover It: 18.99% to 17.24%

CLIs:

AMEX BCE: $4300 to $5000

Citi DoubleCash: $4000 to $5400

Barclaycard Ring: $1000 to $3000 (auto)

I'm aiming for:

AMEX BCE: 12.99% APR

Citi DoubleCash: 12.99% APR

Discover It: 10.99% APR

Auto-CLI on my Sallie Mae

If these trends continue (I get more APR reductions and soft pull/auto CLI's), I don't see why I'd ever want to leave the garden. I'd love to get a card with DCU and a Chase Freedom (only if it's at the lowest APR offered, 13.99%, since they don't do APR reductions), but I think continuing to garden won't hurt my chances of getting those. And I can contiue to get the APRs reduced on my current accounts. I already have the lowest APRs offered on my Barclaycards and my BoA cards. As of now, I'm definitely glad that I joined the Garden Club. It's been a productive stay so far for me.

[Creditaddict]

the good thing about chase is you can keep checking your pre-qual until you are getting offered the best rate!

Did amex really counter you only a $700 CLI or did you for some reason not ask for your 3x?!

[Anonymous]

Congrats! kinda wish there were a few more posts like this...

[kdm31091]

I agree with you, I am focusing on just CLI/APR reductions this year. There's nothing really enticing that I need.

It is VERY refreshing to see posts like this vs. posts about how hard it is stay in the garden! Leaving early usually just leads  to a disappointing CL or APR anyway.

[Anonymous]

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@Anonymous wrote:

Congrats! kinda wish there were a few more posts like this...

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+1. Feel like it would be a lot easier to stay in the garden if people shared more tangible, positive experiences from doing so.

[uswala]

Congrats!

[Anonymous]

Plus your CC lineup looks suspiciously like what my plan is, so I am happy that you are happy with where you are

[Anonymous]

Great job with the apr reductions.  How do you do that?  Just call and ask for lower apr?

[Anonymous]

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@Creditaddict wrote:

the good thing about chase is you can keep checking your pre-qual until you are getting offered the best rate!

Did amex really counter you only a $700 CLI or did you for some reason not ask for your 3x?!

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I'm guessing they got an auto bump.

[Anonymous]

those are some nice cards you have!