Still here gardening! I must say that the app itch goes away as time passes by. I also realized that I have a nice list of CC's and that I really don't need anything else, just wanted it. I have enough in CL's to get anything that I want, especially since I got my NFCU CL at $22K. I do have some other CC's that I would like, but they are not necessary. Knowing that I don't need and that I just "want" makes all of the difference in me being able to handle the "app itch syndrome". At least that's my story and I'm sticking to it 
!
Plus my reports are frozen to help if any weak moments occur. Also, I lost my pin for TU. Does anyone know how to get a new one?
@Rhaeny wrote:Still here gardening! I must say that the app itch goes away as time passes by. I also realized that I have a nice list of CC's and that I really don't need anything else, just wanted it. I have enough in CL's to get anything that I want, especially since I got my NFCU CL at $22K. I do have some other CC's that I would like, but they are not necessary. Knowing that I don't need and that I just "want" makes all of the difference in me being able to handle the "app itch syndrome". At least that's my story and I'm sticking to it
Plus my reports are frozen to help if any weak moments occur. Also, I lost my pin for TU. Does anyone know how to get a new one?
Very well said and so true WTG
@mzware wrote:
Hi, I am new to gardening! I just purchased my first home, bought a car and added two new lines of credit KOHLS, and NAVCHEK through NFCU. I am happy and done for a while. I would like to see my scores increase. I cant think of anything else needed for a while. I will take it one month at a time. Wish me luck!
Good luck and welcome to the Garden Club. You can add a seedling to your signature in MyFICO to signify your gardening state if you are interested!
Congrats on the new seedlings 
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
I've been app-free for 3 months now and decided to join the party. The first two and a half months I wasn't applying for anything since I needed to complete minimum spending requirements for my current credit cards. And then the last 2 weeks I did not apply because I realized I may need an auto loan in the next few months and would like to maximize my FICO for that. The savings from a reduced interest rate will offset the loss of potential gains from new credit cards I think.
@mzware wrote:
Hi, I am new to gardening! I just purchased my first home, bought a car and added two new lines of credit KOHLS, and NAVCHEK through NFCU. I am happy and done for a while. I would like to see my scores increase. I cant think of anything else needed for a while. I will take it one month at a time. Wish me luck!
Congrats on your new home! And with NFCU those CL's will grow with you!
@HiLine wrote:I've been app-free for 3 months now and decided to join the party. The first two and a half months I wasn't applying for anything since I needed to complete minimum spending requirements for my current credit cards. And then the last 2 weeks I did not apply because I realized I may need an auto loan in the next few months and would like to maximize my FICO for that. The savings from a reduced interest rate will offset the loss of potential gains from new credit cards I think.
3 months? Well where is your silver spade?
Congrats!
@Rhaeny wrote:
@HiLine wrote:I've been app-free for 3 months now and decided to join the party. The first two and a half months I wasn't applying for anything since I needed to complete minimum spending requirements for my current credit cards. And then the last 2 weeks I did not apply because I realized I may need an auto loan in the next few months and would like to maximize my FICO for that. The savings from a reduced interest rate will offset the loss of potential gains from new credit cards I think.
3 months? Well where is your silver spade?
Congrats!
I don't want to make those with bronze spades feel bad. I'm a kind-hearted poster, you know.