New to this forum

[FutureBillionaire]

What's up everyone?  I'm new to this forum and I'm looking to learn about different credit strategies and products.  I hope that I have positive influence on folks in here.  My first question is, what in the heck is this "gardening" term that I keep seeing here? lol.

[Jutz]

Gardening = Not adding any new hard inquiries or accounts to your profile.  It's the time we take to let our accounts and/or baddies age.  For some, gardening is more difficult than others, so it's basically a support group.  However, growing your current tradelines while gardening is encouraged, such as getting credit limit increases with just soft inquiries.  It's an art.

[FutureBillionaire]

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@Jutz wrote:

Gardening = Not adding any new hard inquiries or accounts to your profile.  It's the time we take to let our accounts and/or baddies age.  For some, gardening is more difficult than others, so it's basically a support group.  However, growing your current tradelines while gardening is encouraged, such as getting credit limit increases with just soft inquiries.  It's an art.

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Thanks for the response.  I guess I'm gardening then until I pay off all of my last card in February.  All of my other cards are paid in full every month, unless I have a card with an interest promotion.  My utilization is at 10% and I have about 70 or 80k in available credit.