Am I good to garden now?

[smc733]

Thanks!

I'm thinking March of next year I add:

PSECU Visa (will move some money there)

Maybe, only to take advantage of the 1981 backdating, Blue Cash or Clear.

[haulingthescoreup]

CU's can be great for getting a high CL card, but otherwise, they don't do anything specific for your FICO scores.

It looks like you've come up with some sort of rewards card for just about everything you do, so now it's time to start making money off your credit. Great job!

[score_building]

CU are great for diversity too.

[haulingthescoreup]

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@score_building wrote:

CU are great for diversity too.

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That too.

I * puffy heart * CU cards for many, many reasons, not the least of which is that they are generally not clinically insane. I just wanted to clarify that there isn't a checkbox on a FICO score list giving you brownie points for having a CU card.

[smc733]

Well, my Dad is a veteran of the Air Force.  Any suggestions on a good CU that can help me get into, or is PSECU's product any good?

[TheCreditKid]

This whole time I refereed the term "gardening" as cutting bad credit cards away.

Now I comprehend the word....I feel so ignorant haha...

Gardening = Letting the card grow within time Right ?!?!  I belong in the newbie section

[smc733]

I guess that could be weeding out the bad cards and baddies, but I think its more of letting current accounts "grow".

[haulingthescoreup]

It's a little of both. It's the switch from hunting to gardening. So you go putter around, making sure that you're watering and fertilizing and keeping an eye on everything, and maybe occasionally yanking out what you had thought would be a nice flower but turned out to be a weed!

[Cory]

So cards are better off being thrown in the garden! Not worth being in the house.