I've been gardening, and it's boring, lol!! I know it must be done, and I also know that anything I app for at this point (given my situation- see siggy), I'd probably be denied anyway. Does apping for a car refi count as stepping out of the garden?? Lol!! I did that last week hoping to get my current 22% lower!! But haven't apped for any cards since mid December!! 
@pizza1 wrote:I've been gardening, and it's boring, lol!! I know it must be done, and I also know that anything I app for at this point (given my situation- see siggy), I'd probably be denied anyway. Does apping for a car refi count as stepping out of the garden?? Lol!! I did that last week hoping to get my current 22% lower!! But haven't apped for any cards since mid December!!
Congrats ! I'll buy the pizza !! 
Hopefully you can get out from under that 22% car loan ~ good luck !
@pizza1 wrote:I've been gardening, and it's boring, lol!! I know it must be done, and I also know that anything I app for at this point (given my situation- see siggy), I'd probably be denied anyway. Does apping for a car refi count as stepping out of the garden?? Lol!! I did that last week hoping to get my current 22% lower!! But haven't apped for any cards since mid December!!
Congrats come on over and join the garden club
Congrats! Ive been going back and forth but finally have settled in the GC, The results are great once those CC age and gain power, KEEP IT UP!!
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