Garden Club - March 2016

[bada_bing]

I'm just wondering thru the garden to trade my shappire spade for a diamond one. My last inquiry,

for Sallie Mae, fell off on March 5. Two years with no apps done .

I don't think I'm leaving the garden anytime soon, but eventually I will. I'm on schedule to pay off

my mortgage within 4 years and I'll need to get a shared secured loan to replace it for scoring prior

to it showing payed off. I need either a CSP or Ink to act as a transfer method for the UR points I

have stacked up on my freedom and ink cash. Neither of those is immediately pressing, so I'll coast

along in the garden.

The funny thing about gardening is that while it does improve your credit report, it also  makes the

urge to use the improved credit report diminish.

[kdm31091]

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@bada_bing wrote:

I'm just wondering thru the garden to trade my shappire spade for a diamond one. My last inquiry,

for Sallie Mae, fell off on March 5. Two years with no apps done .

I don't think I'm leaving the garden anytime soon, but eventually I will. I'm on schedule to pay off

my mortgage within 4 years and I'll need to get a shared secured loan to replace it for scoring prior

to it showing payed off. I need either a CSP or Ink to act as a transfer method for the UR points I

have stacked up on my freedom and ink cash. Neither of those is immediately pressing, so I'll coast

along in the garden.

The funny thing about gardening is that while it does improve your credit report, it also  makes the

urge to use the improved credit report diminish.

---

I think once you get past a certain point with gardening, you just kind of lose interest in apping. Not everyone does, but it seems once you get past a few months, it becomes easier. You just adjust to using what you have and not constantly looking for the next great card.

[Anonymous]

T minus 15 days until my next Amex CLI attempt. After that, I'm outta here! 

[Anonymous]

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@kdm31091 wrote:

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@bada_bing wrote:

I'm just wondering thru the garden to trade my shappire spade for a diamond one. My last inquiry,

for Sallie Mae, fell off on March 5. Two years with no apps done .

I don't think I'm leaving the garden anytime soon, but eventually I will. I'm on schedule to pay off

my mortgage within 4 years and I'll need to get a shared secured loan to replace it for scoring prior

to it showing payed off. I need either a CSP or Ink to act as a transfer method for the UR points I

have stacked up on my freedom and ink cash. Neither of those is immediately pressing, so I'll coast

along in the garden.

The funny thing about gardening is that while it does improve your credit report, it also  makes the

urge to use the improved credit report diminish.

---

I think once you get past a certain point with gardening, you just kind of lose interest in apping. Not everyone does, but it seems once you get past a few months, it becomes easier. You just adjust to using what you have and not constantly looking for the next great card.

---

I totally agree with this but there is something odd that happenes when you finally do app. My app wasn't even a card, it was for a mortgage and it still feels like i'm starting all over again with the jonesing for a card. 

[myjourney]

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@Anonymous wrote:

HI everyone, my wife spends her days on here and she says it's time for me to get serious about my scores.  So, here I am.  My last app was Sept 9,2015 and I have no plans to apply for anything in the future.  

Can someone please put my spade in my siggy for me?

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Welcome to the forum 

This place is a great family bonding towards goals place 

Seedling request done 

[myjourney]

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@Anonymous wrote:
can someone put my seedling in mine as well???

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Your seedling request is done as well and welcome th the GC

[myjourney]

---

@bada_bing wrote:

I'm just wondering thru the garden to trade my shappire spade for a diamond one. My last inquiry,

for Sallie Mae, fell off on March 5. Two years with no apps done .

I don't think I'm leaving the garden anytime soon, but eventually I will. I'm on schedule to pay off

my mortgage within 4 years and I'll need to get a shared secured loan to replace it for scoring prior

to it showing payed off. I need either a CSP or Ink to act as a transfer method for the UR points I

have stacked up on my freedom and ink cash. Neither of those is immediately pressing, so I'll coast

along in the garden.

The funny thing about gardening is that while it does improve your credit report, it also  makes the

urge to use the improved credit report diminish.

---

Now that looks so so good 

WTG

[myjourney]

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@Anonymous wrote:

T minus 15 days until my next Amex CLI attempt. After that, I'm outta here! 

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Ummm wait just a minute there CAPTOOL

Amex is a SP in most cases 

So ummm why does that mean "outta here" ....SMH Lol

Security security....over here pls

[baller4life]

MJ you know Cap lives on the wild side!

[SunriseEarth]

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@Anonymous wrote:

HI everyone, my wife spends her days on here and she says it's time for me to get serious about my scores.  So, here I am.  My last app was Sept 9,2015 and I have no plans to apply for anything in the future.  

Can someone please put my spade in my siggy for me?

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Your seedling has been planted