I Come To The Garden Alone

[DoroLucky]

@RM21 😂😂😂😂😂😂

[lokobo]

It's so hard.  Get some hobbies like real gardening or pick up a new skill like a language or musical instrument.  If you get the itch, sometimes getting a new design on one of your current cards helps lol.

My greatest gardening success was between Dec 2011 and Jul 2015. I only had 1 credit card app and one inquiry for an apartment lease. I racked up 6 new accounts since then and trying to make it back into the garden, but it's hard. I just applied for the Blispay card despite already having two 2% back cards

[Anonymous]

To put things in my personal perspective.....

6 months (in credit world) = 1 month (in my world)

[myjourney]

The best course of action is the one the GC was founded on (thanks Tin)

Join the GC 

Publicly state your goals 

Meet some new friends that share the same goals 

Hold each other accountable to achieve each others goals

I help you, you help me and we all stay garden strong and benefit 

To curb the urges seek SP CLI's work on any baddies or problem areas on CR's 

GC networking at it's best 

[Imperfectfuture]

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@myjourney wrote:

The best course of action is the one the GC was founded on (thanks Tin)

Join the GC 

Publicly state your goals 

Meet some new friends that share the same goals 

Hold each other accountable to achieve each others goals

I help you, you help me and we all stay garden strong and benefit 

To curb the urges seek SP CLI's work on any baddies or problem areas on CR's 

GC networking at it's best 

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Yes, goals.  I have set some.  I would really like to go 24 months without hard pulls, but some changes might require hard pulls.  It's the new accounts that hold the scores down.  Maybe you want a house or car?  Maybe some chase cards, that require you have less than five cards in 24 months?  Maybe just to reach a certain score?  Clean up your reports (that is how I started back in 2014).  Anything and everything is a goal in the garden (we have a few folks newlyweds or getting married).  

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

The purpose of the garden is to learn descipline & the virtual of patience

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Discipline ok but I can tell you now patience is not in my vocabulary (LOL).  

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Not a virtue of mine either, but I set a goal of six months because I wanted in with PenFed. Hit the goal and got approved. If I can do it, anybody can.

[Anonymous]

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@Anonymous wrote:
Free snacks and beverages in the GC! New guys have to bring donuts though.

As said, it's a supportive place to grow what you have.

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If that were true, I'd be camped out in there! 

[Anonymous]

Honestly, some people find gardening too difficult here and leave the site to avoid the temptation. For the rest, we try to be supportive of your goals. So, you should make some. Why are you gardening? Is it to move up to a new tier of card? Working on a mortgage? Improving scores? Find a reason to not app, and it becomes much easier. I worked on getting my baddies removed. Some people apply for SP CLIs. You can see if there are cards you don't use any more and prime them. Or, you can just sit tight. I like CK for gardening, because I can see weekly changes to my score. You used to get a great AAOA readout, but now it only updates every month. Regardless, most of gardening is waiting, so that when the right opportunity comes around, you're ready for it.

[Anonymous]

^^ Agreed. Gardening without a plan is kinda pointless and self defeating IMO. You'll never know when you're done lol.