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I have been a bad little seedling..

New Contributor

I have been a bad little seedling..

I joined the garden almost immediately after formally joining this forum, and I have already left twice! Smiley Sad

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! Smiley Happy

 

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. Smiley Embarassed

 

I am going back to the garden and STAYING PUT until my original goal of Spring 2015.  I will, I will, I will! Smiley Happy

 

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!  Smiley Happy  *heading back to garden*



Last app: 10/4/14
In the garden until Winter of 2016
Message 1 of 14
13 REPLIES
Super Contributor

Re: I have been a bad little seedling..


Bluebonnet wrote:

I joined the garden almost immediately after formally joining this forum, and I have already left twice! Smiley Sad

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! Smiley Happy

 

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. Smiley Embarassed

 

I am going back to the garden and STAYING PUT until my original goal of Spring 2015.  I will, I will, I will! Smiley Happy

 

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!  Smiley Happy  *heading back to garden*


Again? Really? Lol

Congarts on the new seedlings 

What cards did you apply for? excited huh....LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 14
New Contributor

Re: I have been a bad little seedling..

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. Smiley Happy  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. Smiley Wink  



Last app: 10/4/14
In the garden until Winter of 2016
Message 3 of 14
Super Contributor

Re: I have been a bad little seedling..


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. Smiley Happy  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. Smiley Wink  


Congrats again and off to the GC with you 

BTW you just made the ERT's watchlist Smiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 14
New Contributor

Re: I have been a bad little seedling..

LOL 

Smiley Sad at ERT watchlist. 



Last app: 10/4/14
In the garden until Winter of 2016
Message 5 of 14
Moderator Emeritus

Re: I have been a bad little seedling..


Bluebonnet wrote:

LOL 

Smiley Sad at ERT watchlist. 


Come see me,,, I know the best places to hide!

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 14
Super Contributor

Re: I have been a bad little seedling..

Smiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 14
New Contributor

Re: I have been a bad little seedling..

Smiley Very Happy

 

I will just stand by you in the garden then! 



Last app: 10/4/14
In the garden until Winter of 2016
Message 8 of 14
Moderator Emerita

Re: I have been a bad little seedling..

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.
Message 9 of 14
New Contributor

Re: I have been a bad little seedling..

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.

 

 



Last app: 10/4/14
In the garden until Winter of 2016
Message 10 of 14