I joined the garden almost immediately after formally joining this forum, and I have already left twice! 
One was for a CLI that I thought would be soft, but ended up being a hard pull.
Most recently was for 2 cards that I really wanted.
Thankfully I was approved for all! 
However, I would like a little advice. I have a total of 5 cards now. 3 were opened about 2 months ago, and 2 yesterday. 
I am going back to the garden and STAYING PUT until my original goal of Spring 2015. I will, I will, I will!
What is the best way to help these accounts grow? Is it okay if I let a balance report on more than one as long as total utility is under 9%? How long should I wait to request CLI or should I just be safe and let them be automatic until I am ready to come out of the garden?
I am also an AU on a furniture card that has greater than 50% util, but it is 0%. Don't want to remove myself. Should I just focus on getting that down and not worry about letting a balance post on my cards at all?
Thanks for the advice! *heading back to garden*
@Bluebonnet wrote:I joined the garden almost immediately after formally joining this forum, and I have already left twice!
One was for a CLI that I thought would be soft, but ended up being a hard pull.
Most recently was for 2 cards that I really wanted.
Thankfully I was approved for all!
However, I would like a little advice. I have a total of 5 cards now. 3 were opened about 2 months ago, and 2 yesterday.
I am going back to the garden and STAYING PUT until my original goal of Spring 2015. I will, I will, I will!
What is the best way to help these accounts grow? Is it okay if I let a balance report on more than one as long as total utility is under 9%? How long should I wait to request CLI or should I just be safe and let them be automatic until I am ready to come out of the garden?
I am also an AU on a furniture card that has greater than 50% util, but it is 0%. Don't want to remove myself. Should I just focus on getting that down and not worry about letting a balance post on my cards at all?
Thanks for the advice!
Again? Really? Lol
Congarts on the new seedlings
What cards did you apply for? excited huh....LOL
I just applied for ON (10% off on Tuesdays) and I applied for Discover it. I was really happy about Discover because I originally applied in June and was denied. I don't know why I tried again - maybe because I knew I was done - this was my last hoorah until Spring. I was told to call, and I spoke with a very nice rep who approved me. Very excited about that one.
I am staying in the garden though - just for the inquiries alone. I think a particular CU went hard pull crazy on me. 
@Bluebonnet wrote:I just applied for ON (10% off on Tuesdays) and I applied for Discover it. I was really happy about Discover because I originally applied in June and was denied. I don't know why I tried again - maybe because I knew I was done - this was my last hoorah until Spring. I was told to call, and I spoke with a very nice rep who approved me.
I am staying in the garden though - just for the inquiries alone. I think a particular CU went hard pull crazy on me.
Congrats again and off to the GC with you
BTW you just made the ERT's watchlist 
LOL
at ERT watchlist.
@Bluebonnet wrote:LOL
Come see me,,, I know the best places to hide!
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!
June 2017 update: All scores over 820, just pure gardening now.
I will just stand by you in the garden then!
Definitely on the ERT list!
Keep your total util low and don't carry balances on too many cards. Since you are no longer apping it's not imperative that your util is below 10% but keep in mind lenders go sps for auto cli's.
Keep your total util low and don't carry balances on too many cards. Since you are no longer apping it's not imperative that your util is below 10% but keep in mind lenders go sps for auto cli's.
Thanks Lexie. I will def keep that in mind. Will just not let balances post, and work on getting the balance for the AU account down. Just wasn't sure if or how much the AU acount was affecting.