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Garden Club - October 2014

Moderator Emerita

Garden Club - October 2014

Welcome GC'ers!

 

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 want a place to hang out to get away from the hustle and bustle of credit card talk. 


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.  The falling leaves of autumn may put a slight chill in the air.  As you are radying for the trick-o-treaters, watching your favortie football team and/or the end of the baseball season, grab a sweater and enjoy the amenities.

 

We have a wide variety of snack and appetizers for everyone.  Pizza, buffalo wings, grilled zucchini, 7-layer dip and apple pie ala mode. 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, Benadryl, 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 coldmn 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 and the discussion of which credit card to app for 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.  Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing.  For those GC'ers, the first hp will set your clock, not the subsequent pulls.  However, if you are simply rate shopping, then the normal hp rules apply.

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 1,810
1,809 REPLIES
Valued Contributor

Re: Garden Club - October 2014


09Lexie wrote:

Welcome GC'ers!

 

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 want a place to hang out to get away from the hustle and bustle of credit card talk. 


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.  The falling leaves of autumn may put a slight chill in the air.  As you are radying for the trick-o-treaters, watching your favortie football team and/or the end of the baseball season, grab a sweater and enjoy the amenities.

 

We have a wide variety of snack and appetizers for everyone.  Pizza, buffalo wings, grilled zucchini, 7-layer dip and apple pie ala mode. 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, Benadryl, 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 coldmn 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 and the discussion of which credit card to app for 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.  Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing.  For those GC'ers, the first hp will set your clock, not the subsequent pulls.  However, if you are simply rate shopping, then the normal hp rules apply.

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!

 


Hello October !!

 

Thanks Lexie Smiley Happy

Message 2 of 1,810
Valued Contributor

Re: Garden Club - October 2014

Seems like no decision yet on the "GC as a sub-forum" topic Smiley Very Happy

Message 3 of 1,810
Moderator Emerita

Re: Garden Club - October 2014


Ghoshida wrote:

Seems like no decision yet on the "GC as a sub-forum" topic Smiley Very Happy


No, but it is being discussed on the MOD/Admin Board.  Things do not always move as fast as we would like but you all will be notified of any decisions.

Message 4 of 1,810
Valued Contributor

Re: Garden Club - October 2014

Count me in. Going to try this again

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 5 of 1,810
Established Contributor

Re: Garden Club - October 2014

Checking in! Well, for a few days at least. Good luck to all of you on your gardening goals this month


Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $4000,Barnes $8500,Amex $22k
Message 6 of 1,810
Moderator

Re: Garden Club - October 2014

Oooh, did I actually get in early to the new Garden thread?   Yay!

 

Since it's a new month, I like to outline my plan and goals while I'm gardening.   My aim is to take no more HPs until my CO has fallen off or has otherwise been removed from my CRs (falloff is scheduled for May, but I'll be trying GW and/or requesting early exclusion).   As for my actions...

 

1. GECRB/SyncB CLI requests on all CCs as the statements close (JCP should be tomorrow, Amazon should be the 4th, and Wally should be the 14th)

2. Get more cards down to zero balances!   I've let too many balances post recently...still adjusting to having a car payment again...arg

3. Hold tight until November

4. 11/1 - AMEX 181 Day 3X CLI Request.   I've decided to ask for it on the Costco TE, since it would be most beneficial there.   Hopefully, I'll get up to $10500!

5. Macy's CLI request in November...may as well see what they'll offer me.

 

 

I've also decided not to go for Macy's AMEX until next year (don't want to take the HP for it), but I would gladly accept a Wally upgrade if offered.



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 7 of 1,810
Established Contributor

Re: Garden Club - October 2014

Checking in for October.
ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com*****$20,000***********$6,500************$4,100************$3,500***********$2,500************$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
Message 8 of 1,810
Valued Contributor

Re: Garden Club - October 2014

Well 1 inq for my Sears MC has fallen off recently Smiley Happy thats exciting but it also shows i guess i have been with sears for 2 years now working. In December Target will fall and in June like 6 inqs will fall off (car shopping) ohh this is exciting.


I realized i am still young and still have many years to achieve whatever i want.
Message 9 of 1,810
Valued Member

Re: Garden Club - October 2014

Checking in for the first time...and it feels good. Gardening goal 1 year for a start. Good luck to all.

Message 10 of 1,810