Credit Cards Center Credit cards from our partners
Reply
Epic Contributor
Posts: 28,677
Registered: ‎10-23-2007
0

I NEED to Garden until April!

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?

Established Member
Posts: 37
Registered: ‎12-08-2013
0

Re: I NEED to Garden until April!

I don't know how they do it! I was going to stay in the garden and then due to some phone difficulties I moved to verizon. Not thinking that it wuold be another HP. I have just an absurd amount of hard pulls in the past year. Heck even the past 6 months. I need to garden for probably a year at least to start letting the HP's fall off. However, I need a new apartment in june, so they'll probably pull it too!

 

On the bright side I have kind of settled into which cards a relly like using and I don't really feel the urge or temptation to get anymore. At least for now.

SCORES AS OF 7/20/15 TU: 761 EQ: 768 EX: 770


        10000              6000              5000               5000               4400              3750              2000               1700
Frequent Contributor
Posts: 273
Registered: ‎10-04-2009
0

Re: I NEED to Garden until April!

Did you ever post a follow up on what happened with the Santander credit card app?

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: I NEED to Garden until April!


Creditaddict wrote:

I NEED NEED NEED to Garden until April... I'm bored already!

My BK will fall off in April and half a dozen to dozen accounts "Included in BK" will also fall off.

several of my new accounts will be 6 months old also.

 

How do you all do it that stay in the garden?


You know (cause you offer this advice) by waiting a few months till your CR's are updated, approvals would be better for you.  You've added a few TLs recently and if you wait until May-June, you'll have some history on them.  By June, you'll be able to write your own ticket. 

 

Don't water  down your chances now by continuing to apply for cards so close to your bk falling off.   In a few months your choices will be much better. 

Established Contributor
Posts: 616
Registered: ‎01-07-2013
0

Re: I NEED to Garden until April!

When I get that pressing urge to app, I go through all of the preapproval sites for the cards that I want.

 

Since I'm not getting the preapporovals on those, I decide to wait a bit longer.

 

When the urge comes back, repeat...

 

 

Hope it helps.




Starting Score: All Under 590 (8/2011)
Current Score: Ex: 676 Eq: 681 Tu: 683
Goal Score: Ex: 725 Eq: 725 Tu: 725

Take the myFICO Fitness Challenge
Back in the Garden 4/22/16 Smiley Happy
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: I NEED to Garden until April!


BootStraps wrote:

When I get that pressing urge to app, I go through all of the preapproval sites for the cards that I want.

 

Since I'm not getting the preapporovals on those, I decide to wait a bit longer.

 

When the urge comes back, repeat...

 

 

Hope it helps.


+1 thats what I did til I saw that I was pre approved for Slate than I apped

Epic Contributor
Posts: 28,677
Registered: ‎10-23-2007
0

Re: I NEED to Garden until April!


BootStraps wrote:

When I get that pressing urge to app, I go through all of the preapproval sites for the cards that I want.

 

Since I'm not getting the preapporovals on those, I decide to wait a bit longer.

 

When the urge comes back, repeat...

 

 

Hope it helps.


Yeah this is true!

 

As far as Santander... NO... still waiting!!

Established Contributor
Posts: 658
Registered: ‎07-03-2012
0

Re: I NEED to Garden until April!

I have no idea how I have made it since April. Now I'm to the point that I'm litereally counting down the hours until one of my cards reports so I can go on my spree. I still have to wait for the CBs to reflect the balance change after that... Smiley Frustrated I guess for me I just had to think about how much higher the chances of approval would be If I could just wait. When it got really bad I would stop getting on this forum. lol.


Established Contributor
Posts: 658
Registered: ‎07-03-2012
0

Re: I NEED to Garden until April!


Aaroncl27 wrote:

I don't know how they do it! I was going to stay in the garden and then due to some phone difficulties I moved to verizon. Not thinking that it wuold be another HP. I have just an absurd amount of hard pulls in the past year. Heck even the past 6 months. I need to garden for probably a year at least to start letting the HP's fall off. However, I need a new apartment in june, so they'll probably pull it too!

 

On the bright side I have kind of settled into which cards a relly like using and I don't really feel the urge or temptation to get anymore. At least for now.


A quote from the GC guidelines, "*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: Employment Applications, Apartment Rentals, Utilities and other such services. These are not considered to be applications for credit per se.". I'd ask someone else to be sure, but I don't think changing cell phone providers should drop you back to a seedling.


Established Contributor
Posts: 605
Registered: ‎11-13-2013
0

Re: I NEED to Garden until April!

That's right. The HP from Verizon does not destroy your garden!

Scores2013-09-21Current
Equifax630 (LP)749 (CK)/749 (Quizzle)
Experian640 (FCR)FICO 703 (Amex)
TransUnion588 (CK)FICO 740 (Barclaycard)

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.