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Garden Club Meeting - April 2014

Moderator Emeritus

Garden Club Meeting - April 2014

Greetings, fellow credit gardeners! We've got a brand new month upon us. So, I hereby convene the April meeting of the myFICO Garden Club!

For those who are new to the concept of gardening, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.

So, if you're at the stage of your credit journey where you're ready to enter the garden, please come and join us. You may pick up your complimentary watering can and garden gloves by the front door -- you can even choose your favorite color! We're proud to offer a well appointed clubhouse. There is a snack table set up. This month we have asian potstickers, sweet sesame wings, a dish of cold Thai noodle salad, and some peel and eat shrimp. And as always, we have mini-quiches (enjoy, Relevate!). There's also a nice selection of cold beers. Once again, please feel free to bring and add anything that you'd like to add to the festivities. And, in the corner diagonally across from the front door, there is a fully stocked bar, along with a wide selection of soft drinks. If needed, there are some anti-itch medications stocked in our supply cabinet near the door -- Lanacaine, Benedryl, etc. If you need to place your reports in the deep freeze, we also have a freezer, located next to the bar, so go ahead and throw your reports in!


Our club features a Friday night social. This will be hosted by myjourney, who has done such a wonderful job with managing the buffet and bar. He will present a mouthwatering dinner menu (with graphics!) and announce a discussion topic. Everyone is welcome to hang out and either discuss the topic or anything else that comes to mind. Feel free to let kick up your heels for the evening! The goal of the Friday night social is to enjoy getting to know each other and share in some fun. I'd also like to give thanks to Lexie09 for providing hospitality and help to members both old and new. You'll always find comraderie available here as you work towards your gardening goals.

So 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. We even have and Emergency Response Team (ERT) available to step in and help keep you on track!

Now, if you happen to leave the garden prematurely, that’s your decision and we respect that. You are always welcome to come back, pick up your gardening tools and start over again. But please, celebrate any approvals on another thread. While we are happy with members’ success stories, we really do want to keep this thread’s focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate soft CLIs on this thread, though, as they do not involve inqs or apps for new credit.


GARDEN CLUB CHALLENGE AND RECOGNITIONS:

Garden Club Challenge: Pick a firm date for staying in the garden and post it in your siggy!

Garden Club recognition levels: To qualify, your reports must contain:

No new tradelines of any type on one's accounts (this includes backdated Amex accounts, as they are STILL new "seedlings").
No HPs for anything that would allow for the possibility of a new tradeline being issued or increasing the CL of an existing tradeline.

*The Garden Club community recognizes that certain inquiries are necessary for factors beyond those listed above. Therefore, Hard Pulls/Inquiries for the following bona fide reasons are exempt but not limited to: Opening checking/savings accounts (so long as no line of credit is being opened in addition to these accounts), Employment Applications, Apartment Rentals, Utilities and other such services. These are not considered to be applications for credit per se.

You will be able to add the following to your siggy if you have abided by the above for the following time periods...


Less than 1 month - seedling

1 month - bronze spade

3 months - silver spade

6 months - gold spade

 

9 months - palladium spade

12 months - platinum spade

 

15 months - ruby spade

 

18 months - emerald spade

 

21 months - sapphire spade

24 months or more - diamond spade


Please note: recognition levels reset once you add an account or incur a HP. We recognize that there may be very good reasons for "leaving the garden," and we respect whatever thoughtful decisions members make. As stated previously, members are always welcome to come back, grab their gloves and start gardening once more.

To ensure that your graphic comes out properly on your siggy, please be certain that it has been added as the very first line of code.

Seedling:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50"  height="67" align="right">

 


Bronze:
<img src="http://i.imgur.com/LEYWe.png" border="0" width="40" height="40" align="right">


SIlver:
<img src="http://i.imgur.com/Gfc4B.png" border="0" width="40" height="40" align="right">


Gold:
<img src="http://i.imgur.com/24xvV.png" border="0" width="40" height="40" align="right">

 

Palladium:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5761iE36E284CEECEA414" border="0" width="40"  height="40" align="right">

 


Platinum:
<img src="http://i.imgur.com/vVRv5.png" border="0" alt="" title="" width="120" height="80" align="right" />

 

 

Ruby:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5625i09098E9833D7A4B2" border="0" width="40"  height="40" align="right">

 

 

Emerald:

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5623i698C4BF1F9D77284" border="0" width="40"  height="40" align="right">

 

 

Sapphire:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5627iA714E0C3C98AD3FD" border="0" width="40"  height="40" align="right">

 


Diamond:
<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="" width="40" height="40" align="right" />


So, please feel free to come on in and share your gardening progress. If you're new or returning, what are your goals? If you've been here for a while, how are things going? Let's all mingle, and support each other in our respective gardening efforts!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1 of 5,572
5,571 REPLIES
Valued Contributor

Re: Garden Club Meeting - April 2014

Tin is EARLY! Smiley Happy

 

The Menu this month is AWESOME... Well they are all fantastic... But this one perfect! Smiley Happy

NFCU nCashRewards VISA - $20,000 | NFCU nRewards $10,000
AMEX Costco TrueEarnings $5,000 | AMEX Delta Gold $1,500
Chase SWA VISA $5,000 | Chase Slate $3,500 | Chase Amazon Rewards VISA $3,000
HSN Mastecard $3,500
Message 2 of 5,572
Established Contributor

Re: Garden Club Meeting - April 2014


sailor_mercury wrote:

Tin is EARLY! Smiley Happy


Yes, and we were in the middle of other conversations!

In the garden until debt is paid off and scores are up!
Message 3 of 5,572
Super Contributor

Re: Garden Club Meeting - April 2014

I'm in and garden strong for April

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 5,572
Established Contributor

Re: Garden Club Meeting - April 2014

That was an abrupt lock.

 

But woohoo page 1?

Last HP: 08/22/16 | Latest Scores: EQ FICO8 - 780 | TU FICO8 - 807 | EX FICO8 - 794
Amex BC | Amex HHonors | Amex HHonors Surpass | Amex SPG Business | BoA Alaska Airlines | Barclay Aviator Silver | CF | CFU | CSR | Chase Ink+ | Chase Ritz Carlton | Citi DC | Citi HHonors | Citi Prestige | Discover IT | Best Buy MC
Message 5 of 5,572
Senior Contributor

Re: Garden Club Meeting - April 2014


myjourney wrote:

I'm in and garden strong for April


I was wondering why I couldnt reply in the March thread, lol

Message 6 of 5,572
Super Contributor

Re: Garden Club Meeting - April 2014

Hi Tin we have missed youHeart

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 5,572
Moderator

Re: Garden Club Meeting - April 2014

I'm in -- does this mean that I can go ahead and change my spade if I'm to change it on April 1st? Say yes pwetttyyyy pweeaassee. Smiley Very Happy
Message 8 of 5,572
Established Contributor

Re: Garden Club Meeting - April 2014

Well, the other thread was locked before I could respond.

 

Thank you all for the well wishes; I really appreciate it. Take care everyone. Smiley Happy

Message 9 of 5,572
Moderator

Re: Garden Club Meeting - April 2014


azguy13 wrote:

myjourney wrote:

I'm in and garden strong for April


I was wondering why I couldnt reply in the March thread, lol


Literally. the same thought. lol.

Message 10 of 5,572