Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,575
Registered: ‎11-14-2013
0

Re: How do the best gardeners do it?

What motivates me from applying for credit over and over is that look at me going to the bank in my college years getting declined for a simple 300 CC. Sometimes reality does it to you. 




EQ-683 TU-714 EX-722 (as of 5-21-15)
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: How do the best gardeners do it?

Nothing out there really floats my boat or adds value. I haven't applied for a credit card in over two years but am still have two more student loans coming up.

 

Inquiries are like cooties. Who really wants cooties? Smiley Happy

 

Also, you really learn a lot here about credit. I remember when CA was car shopping: He posted a buttload of information about leases, how they're structured, pros/cons of different companies, cost of ownership calculators, and even taxes!! I didn't know any of that stuff before.

 

I do track when inquiries fall off, though. EX will be cootie-free by September.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 257
Registered: ‎03-28-2013
0

Re: How do the best gardeners do it?


studiogeek wrote:

Get out more. Stay off credit forums ;-)


+1

 

Staying off these forums (MyFico especially) does wonders for your AAoA.

FICO June '15: EX 800, EQ 822, TU 823

Contributor
Posts: 89
Registered: ‎04-03-2013
0

Re: How do the best gardeners do it?


Brax wrote:

studiogeek wrote:

Get out more. Stay off credit forums ;-)


+1

 

Staying off these forums (MyFico especially) does wonders for your AAoA.


Yes! this ^

AU-> RE-Entering the Garden -> 03/07/2014
Moderator
Posts: 9,748
Registered: ‎01-15-2009
0

Re: How do the best gardeners do it?

I don't even know what it feels like to have an offer on USAA. How in the world do you even get one of those?!
Established Contributor
Posts: 888
Registered: ‎09-10-2010
0

Re: How do the best gardeners do it?


Smiley Tonguedrkaje wrote:

Nothing out there really floats my boat or adds value. I haven't applied for a credit card in over two years but am still have two more student loans coming up.

 

Inquiries are like cooties. Who really wants cooties? Smiley Happy

 

Also, you really learn a lot here about credit. I remember when CA was car shopping: He posted a buttload of information about leases, how they're structured, pros/cons of different companies, cost of ownership calculators, and even taxes!! I didn't know any of that stuff before.

 

I do track when inquiries fall off, though. EX will be cootie-free by September.


Found one for you....

 


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Valued Contributor
Posts: 1,375
Registered: ‎09-30-2013
0

Re: How do the best gardeners do it?


notfancy wrote:

Wade64 wrote:

studiogeek wrote:

Get out more. Stay off credit forums ;-)


That's how we learn about credit the do's and don't   Smiley Surprised


True, but it's also very difficult when you find out from here about more and more cards you might not have even thought of. The perks, the limits, the aprs, the credit limit increases, the FICOs... It is all very seductive at times. Especially when you see people posting about approvals and they have lower scores or their situation seems some how sub par to yours. It makes you think you can get an approval because the other person did. It's also nice to simply GET an approval for a variety of reasons.

 

Avoiding the forums DOES help a lot of people and it is especially helpful to not visit the approval forum for some of us.  Chatting or joking in the garden club, reading the rebuilding forum, or scoring forum can help a lot, but sometimes it might not be enough for some people. (and that is okay too!)

 

OP- what ever you need to do, to make "gardening" or not apping, fixing your "baddies" or any thing else.. do that. Keep your eye on what ever your goals may be, and always try to do some sort of risk / benefit analysis. Ask yourself "what is really in it for me?" "If I apply now, are my chances of being approved high or am I risking another inquiry for nothing?" "Will I get the terms, rates, and limits that make this application worth it if I manage to get approved, and will they be acceptable to me?"


I am going to stay away from approvals for the next few weeks for that exact reason. I thought I could live vicariously but it hasn't worked so well for me as I am reseting my garden clock today.  Goals, goals, goals. Set them, monitor them, meet them!  Don't forget to celebrate!!!!!


Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 634 TU: 617 EX: 639
Goal Score: ALL 720+

In the Garden Until August 2018 Last App June 2016
border="0"Take the myFICO Fitness Challenge
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: How do the best gardeners do it?

@ VirtualCuriosity,

 

If the day ever comes that a sailboat is fully enjoyable..... I won't need no stinking credit cards! Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Regular Contributor
Posts: 108
Registered: ‎04-06-2012
0

Re: How do the best gardeners do it?

Treat your inquires like gold. Every time I see the words "App Spree" in a post, I cringe. I have yet to read a justifiable reason for filling out 4 or 5 credit applications in a day.

 

Life isn't fair and credit is even more unfair. It takes time to get your credit where you want it. But only one billing cycle to put it on skid row. Realize this and ask yourself each time you get ready to click "submit"...Is this a need or a want. Your "need" credit cards should far outweigh your "want" credit cards.

 

I'll admit, I have both types of cards. Nothing wrong with that. But keep the bigger picture in mind.

Valued Contributor
Posts: 1,375
Registered: ‎09-30-2013
0

Re: How do the best gardeners do it?


tmbr10 wrote:

Treat your inquires like gold. Every time I see the words "App Spree" in a post, I cringe. I have yet to read a justifiable reason for filling out 4 or 5 credit applications in a day.

 

Life isn't fair and credit is even more unfair. It takes time to get your credit where you want it. But only one billing cycle to put it on skid row. Realize this and ask yourself each time you get ready to click "submit"...Is this a need or a want. Your "need" credit cards should far outweigh your "want" credit cards.

 

I'll admit, I have both types of cards. Nothing wrong with that. But keep the bigger picture in mind.


well stated. 


Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 634 TU: 617 EX: 639
Goal Score: ALL 720+

In the Garden Until August 2018 Last App June 2016
border="0"Take the myFICO Fitness Challenge

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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.