Credit Card Center Advertiser Disclosure

Posts: 8,815
Registered: ‎06-20-2015

Garden Club - October 2017

pumpkin.jpgWelcome, Garden Club Members! pumpkin.jpg




Welcome all new GCers, returning GCers and old timers to our little island of "No Credit Applications". 

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 trade lines to grow and mature, waiting for inquiries to age or fall off, and possibly waiting for "baddies" to be removed/age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade. 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.

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. You'll always find camaraderie available here as you work towards your gardening goals.


Help yourself to our drinks and appetizers. Flat-breads, sliders, pizza, buffalo wings, grilled zucchini, kale salads, pecan and apple pie à la mode. There's also a nice selection of cold beers. Once again, please feel free to bring anything 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!

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.

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 threads focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate SP CLIs in this thread, as they do not involve inq's or apps for new credit.



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 any backdated account, 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 been abiding 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.



<img src="" title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">



<img src="" border="0" title="Bronze Garden Club Member" width="40" height="40" align="right">



<img src="" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">



<img src="" border="0" title="Gold Garden Club Member" width="40" height="40" align="right">



<img src="" title="Palladium Garden Club Member" border="0" width="40" height="40" align="right">



<img src="" border="0" alt="" title="Platinum Garden Club Member" width="120" height="80" align="right" />



<img src="" border="0" title="Ruby Garden Club Member" width="40" height="40" align="right">



<img src="" border="0" width="40" title="Emerald Garden Club Member" height="40" align="right">



<img src="" border="0" width="40" title="Sapphire Garden Club Member" height="40" align="right">



<img src="" border="0" alt="" title="Diamond Garden Club Member" 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!

Just a reminder, if you are new to the forum, you may not be able to add your seedling to your profile. Send any mod a PM and we'll add it for you :smileywink: You can also use the "Report Inappropriate Content" function on the post to notify a Moderator, but indicate that you need __________ spade. (seedling, bronze, etc.)

Posts: 8,815
Registered: ‎06-20-2015

Re: Garden Club - October 2017

Happy October, everybody!  wavey_zps81xnuobx.gif

Community Leader
Super Contributor
Posts: 9,905
Registered: ‎07-17-2013

Re: Garden Club - October 2017

(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Community Leader
Super Contributor
Posts: 9,905
Registered: ‎07-17-2013

Re: Garden Club - October 2017

pizza1 wrote:

One day at a steps!!! Smiley Happy Lets all do this!!!Smiley Happy

(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Frequent Contributor
Posts: 334
Registered: ‎07-19-2017

Re: Garden Club - October 2017

pizza1 wrote:

pizza1 wrote:

One day at a steps!!! Smiley Happy Lets all do this!!!Smiley Happy

Yay!! I'm second Smiley HappySmiley Very Happy

FICO 08 (Oct 2017): EX 657 / EQ 653 / TU 679 - Gardening until 04/30/18!
Valued Contributor
Posts: 1,590
Registered: ‎07-13-2016

Re: Garden Club - October 2017

[ Edited ]

I'll take third! 


I gotta stay focused for the next year! I didn't realize how many cards I've opened in 2017 until recently 😬.

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PR & CR | NFCU FS | Discover IT | Cap1 QS & VENTURE | LOWES | Barclays AVIATOR
New Contributor
Posts: 66
Registered: ‎10-02-2016

Re: Garden Club - October 2017

Only 13 days until I earn my Diamond Spade and this is the first time I've ever commented in this thread while it's still on page 1!

American Express Blue Cash Every | Discover it | Citi Double Cash | Capital One Quicksilver x 2 | Barclay Rewards | Amazon Store Card | PayPal Credit | J. Crew | Old Navy | All approved in 2015. FICO 08: 780/782/786. Garden Club member since 10/13/2015.
Frequent Contributor
Posts: 284
Registered: ‎04-23-2017

Re: Garden Club - October 2017

Well I’m here now. Opened my SSL, which kicked me out of the garden. And got a hard pull from PenFed trying to get a CLI (unsuccessfully) on a 60 day old HP they already had on opening my accounts.... 😞😞😞 well, I promise not to leave until April first 2018, at which case ill be asking for a CLI on Power Cash, and maybe get the PenFed promise.... but well see. After that, I intend no Hard pulls or new accounts until October 2019. Then I’ll have one inquiry. Hopefully life goes well, and i dont need anything or get a hard pull from anywhere intentionally. I also hope to get my credit score to 770-790+ and need to get my utilization to <7%, get my loan down to 7% and let my accounts age.


Wish me Luck, and Godspeed to you all!! Smiley Very Happy

Gardening since 7.8.17
Established Contributor
Posts: 644
Registered: ‎06-22-2013

Re: Garden Club - October 2017

Happy October, y'all. 


September brought a lot of bad weather juju for many of our garden friends, so I wish that the new month brings you new hope and opportunity if you've been affected by the storms. 


I continue to tend to my plot of dirt for another month. Making a little extra cash for travel to the great state of KS midmonth. 


Happy to continue on my boring streak. 


Garden strong, folks. Smiley Happy 


Garden Club Member since 3/9/2017
Valued Contributor
Posts: 1,083
Registered: ‎02-23-2015

Re: Garden Club - October 2017

Still gardening! Next month I earn the Sapphire I believe, scoring inching their way to 800.

Gardening until September 2018
Next app: Mortgage in September 2018

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.