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Garden Club Meeting - September 2014

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09Lexie
Moderator Emerita

Garden Club Meeting - September 2014

Summer has come and gone and as we pack away the bbqs, the water wings and sunblock its time to water our seedlings.  

 

Let me be the first to welcome all new GCers, returning GCers and old timers to our little place in the sun.  Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inq's age or just because your are satifised with your current credit card line up. 


What is gardening?  Quite simply, 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.  Sepember means the official end of summer and we say hello to the change of seasons.  So let's grab a snack and watch a football game or two.  Pretzels, hot dogs and as always, we have mini-quiches (enjoy, Relevate!). There's also a nice selection of cold beers and my new favorite, Lemon Drop Martini's. 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!

 

 

 

 

Message 1 of 1,708
1,707 REPLIES 1,707
LearningMoreAboutCredit
Frequent Contributor

Re: Garden Club - September 2014

Haven't quite put the BBQ grill away (always love a BBQ year round) but going steady. Nothing I want or need...particularly no app envy. Staying strong. Happy gardening to all!!!!

Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 2 of 1,708
myjourney
Super Contributor

Re: Garden Club - September 2014

I'm all in for another month and garden strong 

Welcome all 

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 3 of 1,708
Irisa
Senior Contributor

Re: Garden Club Meeting - September 2014

Checking in for September. Still garden strong, though I am considering an app after I get my Gold spade later this month..we'll see.  

 

Happy gardening everyone!  Smiley Happy 

Message 4 of 1,708
myjourney
Super Contributor

Re: Garden Club Meeting - September 2014


@Irisa wrote:

Checking in for September. Still garden strong, though I am considering an app after I get my Gold spade later this month..we'll see.  

 

Happy gardening everyone!  Smiley Happy 


Need a day pass? You got it...Lol

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 5 of 1,708
Irisa
Senior Contributor

Re: Garden Club Meeting - September 2014


@myjourney wrote:

@Irisa wrote:

Checking in for September. Still garden strong, though I am considering an app after I get my Gold spade later this month..we'll see.  

 

Happy gardening everyone!  Smiley Happy 


Need a day pass? You got it...Lol


Smiley LOL  Thanks boss. I haven't quite decided if I want to app or not, but I'll let you know when I do.

 

Btw, it's good to see you. I hope you're doing well. Heart

Message 6 of 1,708
myjourney
Super Contributor

Re: Garden Club Meeting - September 2014


@Irisa wrote:

@myjourney wrote:

@Irisa wrote:

Checking in for September. Still garden strong, though I am considering an app after I get my Gold spade later this month..we'll see.  

 

Happy gardening everyone!  Smiley Happy 


Need a day pass? You got it...Lol


Smiley LOL  Thanks boss. I haven't quite decided if I want to app or not, but I'll let you know when I do.

 

Btw, it's good to see you. I hope you're doing well. Heart


I'm fine and all is well ...Had a big smile on my face when I saw your post....Tells me all is well with you...right?

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 1,708
_sidhe_
Regular Contributor

Re: Garden Club Meeting - September 2014

I'm officially in the garden for two years...or longer. Smiley Happy No apps since the first of August and no desire to app. Smiley Happy



Message 8 of 1,708
Irisa
Senior Contributor

Re: Garden Club Meeting - September 2014


@_sidhe_ wrote:

I'm officially in the garden for two years...or longer. Smiley Happy No apps since the first of August and no desire to app. Smiley Happy



Welcome to the garden! Since your last app was a month ago, you get to start with a bronze spade. Smiley Happy 

Message 9 of 1,708
myjourney
Super Contributor

Re: Garden Club Meeting - September 2014


@_sidhe_ wrote:

I'm officially in the garden for two years...or longer. Smiley Happy No apps since the first of August and no desire to app. Smiley Happy


Welcome to the garden glad to have you join us.

Pull up a chair and make some new friends 

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 10 of 1,708
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