02-11-2011 06:18 PM
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!
02-11-2011 08:05 PM
CU are great for diversity 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.
02-11-2011 11:18 PM - edited 02-11-2011 11:20 PM
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
02-12-2011 08:01 AM
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!
02-12-2011 09:37 AM
So cards are better off being thrown in the garden! Not worth being in the house.
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