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New Contributor
Bluebonnet
Posts: 91
Registered: ‎07-16-2013

I have been a bad little seedling..

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

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! :smileyhappy:

 

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. :smileyembarrassed:

 

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

 

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!  :smileyhappy:  *heading back to garden*



Last app: 5/21/14
In the garden until Summer of 2016
Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

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! :smileysad:

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! :smileyhappy:

 

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. :smileyembarrassed:

 

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

 

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!  :smileyhappy:  *heading back to garden*


Again? Really? Lol

Congarts on the new seedlings 

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

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
New Contributor
Bluebonnet
Posts: 91
Registered: ‎07-16-2013

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. :smileyhappy:  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. :smileywink:  



Last app: 5/21/14
In the garden until Summer of 2016
Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

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. :smileyhappy:  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. :smileywink:  


Congrats again and off to the GC with you 

BTW you just made the ERT's watchlist :smileylol:

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
New Contributor
Bluebonnet
Posts: 91
Registered: ‎07-16-2013

Re: I have been a bad little seedling..

LOL 

:smileysad: at ERT watchlist. 



Last app: 5/21/14
In the garden until Summer of 2016
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: I have been a bad little seedling..


Bluebonnet wrote:

LOL 

:smileysad: 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+

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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!
Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

Re: I have been a bad little seedling..

:smileylol:

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
New Contributor
Bluebonnet
Posts: 91
Registered: ‎07-16-2013

Re: I have been a bad little seedling..

:smileyvery-happy:

 

I will just stand by you in the garden then! 



Last app: 5/21/14
In the garden until Summer of 2016
Moderator
09Lexie
Posts: 24,195
Registered: ‎09-13-2012

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.
New Contributor
Bluebonnet
Posts: 91
Registered: ‎07-16-2013

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: 5/21/14
In the garden until Summer of 2016

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