I'm so sad today guys I just got back from work it's almost 5:00 am here in Los Angeles and waiting on the table there's 2 preaproval letters one from Bank of America cash rewards and one for the chase Fredom 
I just got into the garden like 3 days ago and now they start sending me preaprovals what a jerks lol they like to push people buttons (. 0% tolerance policy against application I must resist at all cost but god it's so painful freedom it's another of my dream cards tear tear
I just got into the garden like 3 days ago and now they start sending me preaprovals what a jerks lol they like to push people buttons (. 0% tolerance policy against application I must resist at all cost but god it's so painful freedom it's another of my dream cards tear tear
what are your inq's like? aaoa.
if you can wait, do it.
it will only help you in the long run.
when i first got my walmart card back in july it was an 800 limit and my walmart fico started at 728, obv it went down due to other new cards from apps and util.
this monh it jumped to 743. with 4 cards reporting and around 750/12k reporting. this is just with gardenining =)
and yesterday got a cli from the 3k i got last month to 5k.
so it has its perks. (gardenining)
@ezef3ar wrote:
I won't do it I have to be a man of my word and follow garden advice... Have plenty of inquiries all over the place fico it's equifax 690 transunion 687 experian 730 creditkarma but I barely have 8 months of credit history and 6 credit cards I think it should be better if I wait lil longer thanks for the advice and congratulation on you credit increase
I have to take my own advice as well.
With only an 8 month history they will likely just throw you into a low limit card like they did with me.
I was around 675 when I apped around 10 months aaoa at the time, and only got a 500 limit on my freedom. Which is ok since I only used it to get the bonus and the gas and restaurants category wasn't bad. But since then hasn't gotten much use.
1% cash back is pretty standard on all my cards that aren't store cards.
I really won't mind a small limit lol but I'm sure it's a sure declined on both so better keep gardening man. Till this 6 cards go bigger then to get bigger ones after that 
Hear. Hear! Awesome advice and great restraint with your continued gardening decision. You don't wanna have double digit inquiries like me
Did I mention that mines start with a 3?
Starting Score: 722
@ezef3ar wrote:
I'm so sad today guys I just got back from work it's almost 5:00 am here in Los Angeles and waiting on the table there's 2 preaproval letters one from Bank of America cash rewards and one for the chase Fredom
how the heck?? You get pre approvals for cards and I don't get nothing lol
Don't fall off the wagon for their promises keep up the fine fight man you have all the rest of us here supporting you in the garden!