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New Contributor
stlsme
Posts: 60
Registered: ‎09-15-2011
0

How do the best gardeners do it?

I let the last offer exprire from USAA 6 days ago. For two months every time I logged in (you have to go to the my offers tab if your a member of this site cmon) I didn't hit the apply button for the World Mastercard. I will admit it was pretty hard not to do it. I have an auto loan pre-approval in there that expires next month that I am going to take. I logged into the site today to look at cars through the car buying service and low and behold...... The Mastercard offer is back...... I don't want anymore cards just to have cards but they gave me a 7k amex in Nov. I want to wait until Oct to get two more cards which will be the Arrival and Costco Amex. Finally I have my credit back on a solid surface and want to move forward but this is hard...........

EX: 744 EQ: 751 TU: 739
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: How do the best gardeners do it?

Credit is addicting,, I know it is.  But you have to think to yourself.  Do I need this?  Will I use this????

 

I hang out in the garden and let MJ and Wade64 threaten to beat me if I apply.  lol.....

 

Sometimes just knowing can be enough.  When asked at a store if I want to apply for their card, I just tell them NO, I have too many to keep up with now.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
RnJ
Posts: 180
Registered: ‎08-18-2012
0

Re: How do the best gardeners do it?

Simple solution:  stop logging in, stop watching "offers".  Take a break from it and do something else that you love (as long as it's not addictive, lol)

Valued Contributor
-Wade-
Posts: 12,580
Registered: ‎08-13-2013
0

Re: How do the best gardeners do it?


Shogun wrote:

Credit is addicting,, I know it is.  But you have to think to yourself.  Do I need this?  Will I use this????

 

I hang out in the garden and let MJ and Wade64 threaten to beat me if I apply.  lol.....

 

Sometimes just knowing can be enough.  When asked at a store if I want to apply for their card, I just tell them NO, I have too many to keep up with now.


@ shogun, buddy only you could come up with something like that :smileylol:  The way I stay in the garden is, my goal was to reach the 800 club in which I have! Now I want my AAoA to grow so when I do app I will still have my AAoA around 6 years !!! You have to set goals that you want to reach and stick to them. For me gardening is easy. Also I go into the garden club to just talk and have fun ( got to pick on cold ) and I don't even think of aping. Good luck to you :smileyhappy: 

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Valued Contributor
-Wade-
Posts: 12,580
Registered: ‎08-13-2013
0

Re: How do the best gardeners do it?


RnJ wrote:

Simple solution:  stop logging in, stop watching "offers".  Take a break from it and do something else that you love (as long as it's not addictive, lol)


Yeah don't go looking for offers! You also need to opt- out that way you won't get and offers in the mail. It takes a lot will power .

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Frequent Contributor
blondy250
Posts: 450
Registered: ‎01-03-2013
0

Re: How do the best gardeners do it?

Basically I have all the credit I need. I'm on the opt out list so I dont get many offers. It's sort of addicting to see how long you can go without any inquires for me as well.


MyFico 4/18/14
Experian-820, Equifax-834, Transunion (Discover)--850-- 7/6/14
Aaoa-9yrs, Oldest-14yrs
1 inquiry equifax 04 Chase mortgage
"Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score".
Valued Contributor
-Wade-
Posts: 12,580
Registered: ‎08-13-2013
0

Re: How do the best gardeners do it?


blondy250 wrote:

Basically I have all the credit I need. I'm on the opt out list so I dont get many offers. It's sort of addicting to see how long you can go without any inquires for me as well.


Great point blondy :smileyhappy: my other goal is to get the Diamond Spade! Congrats on your Diamond spade:smileywink: I am on my way there too!!! OP set you some goals , it will help you 

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Valued Contributor
wHiTeSoL
Posts: 1,059
Registered: ‎07-09-2013
0

Re: How do the best gardeners do it?

I go to my SD, pull out my most usleless card (GM WEMC), face palm, and tell myself "never again!"

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Valued Member
wonderandawe
Posts: 47
Registered: ‎05-22-2012
0

Re: How do the best gardeners do it?

I think it helps that I don't see credit cards as status symbols but a means to an end.  I need the ability to get car loans and buy a house.  Credit cards allow me to show future creditors that I am a good steward of my credit.

 

 

I also have a bit of fear of credit cards.  My parents have declared bankrupcy twice and still have issues with debt.  I made some mistakes while I was in college that took me a long time to recover from.  I have a lot more rejections than approvals in my past.  Each approval is still a surprise to me and comes with the fear that I will make the same mistakes my parents made.

 

I've seen to fall into the habit of doing a yearly "planting" and gardening for the rest of the year.   Keeps my inquries in line and allows me to plan better for big purchases.   After this year's planting, I will probably be in the garden for a good long while, at least a year or two.  My next step will be a house! :smileyvery-happy:

myFICO Equifax - 675 (June 2013)
myFICO TransUnion - 700! (June 2013)
Credit Karma - 682 (June 2013)
Starting Score - 603 (December 2012)

In the garden since 6/7/2013
Valued Contributor
Themanwhocan
Posts: 1,669
Registered: ‎04-04-2013
0

Re: How do the best gardeners do it?


stlsme wrote:

I let the last offer exprire from USAA 6 days ago. For two months every time I logged in (you have to go to the my offers tab if your a member of this site cmon) I didn't hit the apply button for the World Mastercard. I will admit it was pretty hard not to do it. I have an auto loan pre-approval in there that expires next month that I am going to take. I logged into the site today to look at cars through the car buying service and low and behold...... The Mastercard offer is back...... I don't want anymore cards just to have cards but they gave me a 7k amex in Nov. I want to wait until Oct to get two more cards which will be the Arrival and Costco Amex. Finally I have my credit back on a solid surface and want to move forward but this is hard...........


I figure anytime you are gardening, you just need to avoid any manure that others have spread in your path.



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