@CreditJunkie87 wrote:
garden means i should work the cards i currently have right?
Yes in your case Lol
But garden really means don't make any new apps for credit so you can build history, increase age of accounts, let INQ's age and increase scores.
This is very important
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?
