I was over at the Gardening Club and after reading some of the troubles of app addiction and desires. I figured we should set up a place where those that have the desire to itch can come in and seek counseling
, weep 
, etc. This way app fever is contained and not mixed in with those tending to their garden. I believe Appbar Sr. would love this thread 
Well, that was kind of the reason for having "anti-itch meds" in the Garden Club supply cabinet, as well as having added a "freezer" for those who feel the need to freeze their reports.
Folks in the Garden Club thread are welcome to talk about app itch if they are truly looking for support in dealing with it. We DO want to be supportive of that factor, as it does come up from time to time when people are in gardening mode. But, if people are simply looking for justification to go ahead and app while in gardening mode, then the GC thread probably isn't the best place.
I just wanted to clarify this so that folks that are in the former category aren't scared off from participating in the GC thread.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
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logan_720 wrote:The Garden club meeting cover all the app addiction stuff.
Yes, and to back up that thought, let me post part of the opening statement on the monthly thread:
"Come on in and make yourself comfortable. Make a gardening plan and commit to sticking with it. Are you planning to wait six months before applying for additional credit? A year? Until the last of your baddies drop off? Whatever your goal, we're here to support you. If you feel the 'app-itch' coming on, let us know and we'll try to help you through it."
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
CC365 wrote:
logan_720 wrote:The Garden club meeting cover all the app addiction stuff.
Have you seen the contamination that caused! Maybe better lotions and stronger itch cream is warranted
What can I say... we try, but individual results may vary!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
I will always say...FICO should ditch inquiries all together.
(Unfortunely they won't since it is needed as a factor of "seekers") At the very least maybe re-work the formula to not penalize credit card applications within a short time. Similar to auto and mortgage loans...after all some people shop for the best interest rates on cards and credit lines.
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