I've been in the "garden" for three years now, since June of 2009. Everytime I get the urge to app for a card, I just ask myself how it's going to change my life in any meaningful way. So far it's worked. The only CLIs I have initiated were ones I knew would result in SPs. I've been paying down on my utilization and am working on my AAoA. Just trying to keep the big picture in mind rather than the short-term gratification that comes with receiving a new CC that I'm just going to sockdrawer when the novelty of it runs off.
I don't count the inquiries on EX since they were business related and not for accounts on my personal CRs ... plus lol I didn't actually initiate them. I have a sneaking suspicion that my younger brother (also business partner) signed the CU paperwork with my name on it 
psychoinhell wrote:
LS2982 wrote:2 Months 3 Weeks App Free!!!!
Keeping my garden watered and keeping myself watered with alcohol here.
Becareful LS, the internet and booze do not mix well. Back in Dec I ordered a $200 fur hat, it is an authentic Russian fur hat I always wanted. Still, $200!!!
Ha! There's nothing worse than a hangover AND a denial. I've done my share of drunk apping. Many years ago, I woke up one morning with four new accounts, and at least as many new inqs. It took a year or more for my scores to recover, and the saddest thing is that I applied for cards I really didn't want, 
which all but one I closed within the next week. Alco-apping is really dangerous! 
Hello! Almost a month app free! Went app crazy in May and picked up 4 new accounts and about 7-8 Inqs. I plan on staying put in the garden until all of my baddies fall off next year,my accounts and inqs age, and I get my utilization back down to 10%. Right now I'm at around 40% with all 0% interest promos running. With the new accounts/inqs/higher util, my scores have dived, but they'll recover soon.
Next year I have my sights on Discover More and Amex Green. After my app spree I weeded out First Premier and Credit One. Next year Capital One and Amex Optima will get the big chop. Picking up my Vodka Seltzer adding some limes and watching the fruits of my credit labor flourish 
;Starting Score: Low 500s FICO Aug 2008
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
