cancel
Showing results for 
Search instead for 
Did you mean: 

Gardening sucks.

Senior Contributor

Gardening sucks.

Smiley Sad

 

...still feeling kinda blocked in.

 

I noticed this week that DW and my scores are starting to recover from all of our apps/new accounts at the end of 2013...  Should have all six scores over 700 again by October or so...

 

....IF we don't app...



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 1 of 13
12 REPLIES
Established Contributor

Re: Gardening sucks.

I hear you!

 

I just gardened for 7 (almost 8 months) after a massive app/cli spree. Just did another mini-spree and I probably won't even make 2 months before apping for 2 more cards (May most likely) Luckily it'll just be amex's. So at least it's SP if I don't get approved and will try again in June.

 

And while gardening does suck. I realize that randomly apping too much or 'without a plan' doesn't do me any good. I've been fortunate enough to rebuild my credit (from 480s) and in the recent years have been approved for everything I've apped for. Without properly gardening and having a strategy, it will just be a bunch of wasted HP and sad 'denied' news.

 

Stay garden strong my friend!

07/12/17 EX FICO Score 8 804 (AMEX) | 06/19/17 TU FICO Score 8 823 (BofA) | 07/08/17 EX FICO Bankcard Score 8 833 (FNBO)
Mouseover for CLs


Message 2 of 13
Valued Contributor

Re: Gardening sucks.


tcbofade wrote:

Smiley Sad

 

...still feeling kinda blocked in.

 

I noticed this week that DW and my scores are starting to recover from all of our apps/new accounts at the end of 2013...  Should have all six scores over 700 again by October or so...

 

....IF we don't app...


Come on now !!! If you want high scores and lower rates that the only way you can get both.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 3 of 13
New Contributor

Re: Gardening sucks.


tcbofade wrote:

Smiley Sad

 

...still feeling kinda blocked in.

 

I noticed this week that DW and my scores are starting to recover from all of our apps/new accounts at the end of 2013...  Should have all six scores over 700 again by October or so...

 

....IF we don't app...


The longer you wait the better approval odds, and better terms too.

Started Gardening 4/3/2014

Current Score: (04/2014) EX: 629 I TU: 650 I EQ: 654

In my Wallet:
Barclays NFL: $2000 I VS: $700 I Discover: $1600 I AU: Amex ED $2000
Message 4 of 13
Established Contributor

Re: Gardening sucks.

You must stay strong in order to reach your goals.  

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Discover $10,000, Chase Freedom $5,000, Capital One $3,750, Barclay $8,500 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $10,000, Ashley's Furniture $6,000, Lowe's $7,500 (AU), Express Next $3,360, and Macy's Store Card (Joint Account) $2,000.

Last Application March 25, 2014. Score ranges 700+
Message 5 of 13
Valued Contributor

Re: Gardening sucks.


Uppingmyscore wrote:

You must stay strong in order to reach your goals.  


+1 you have to stay strong Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 6 of 13
Senior Contributor

Re: Gardening sucks.

Oh, I'm plenty strong... I just don't LIKE it.   Smiley Tongue



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 7 of 13
Super Contributor

Re: Gardening sucks.


vpae wrote:

I hear you!

 

I just gardened for 7 (almost 8 months) after a massive app/cli spree. Just did another mini-spree and I probably won't even make 2 months before apping for 2 more cards (May most likely) Luckily it'll just be amex's. So at least it's SP if I don't get approved and will try again in June.

 

And while gardening does suck. I realize that randomly apping too much or 'without a plan' doesn't do me any good. I've been fortunate enough to rebuild my credit (from 480s) and in the recent years have been approved for everything I've apped for. Without properly gardening and having a strategy, it will just be a bunch of wasted HP and sad 'denied' news.

 

Stay garden strong my friend!


Very well said 

 

And to OP check the front porch before leaving the garden 

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 8 of 13
Moderator

Re: Gardening sucks.


myjourney wrote:

vpae wrote:

I hear you!

 

I just gardened for 7 (almost 8 months) after a massive app/cli spree. Just did another mini-spree and I probably won't even make 2 months before apping for 2 more cards (May most likely) Luckily it'll just be amex's. So at least it's SP if I don't get approved and will try again in June.

 

And while gardening does suck. I realize that randomly apping too much or 'without a plan' doesn't do me any good. I've been fortunate enough to rebuild my credit (from 480s) and in the recent years have been approved for everything I've apped for. Without properly gardening and having a strategy, it will just be a bunch of wasted HP and sad 'denied' news.

 

Stay garden strong my friend!


Very well said 

 

And to OP check the front porch before leaving the garden 


LOL, MJ

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 9 of 13
Established Member

Re: Gardening sucks.

I totally understand. I'm forcing myself into the garden for 6 months and it's going to be pretty boring. lol


Message 10 of 13