@Anonymous wrote:It's really up to you. If you are responsible financially and can manage to stay debt free with 30 credit cards and you can keep up with it all then you can go ahead and app for cards you need. But like some others have said gardening will help you get much higher limits and the lowest APR and it will allow you to focus on growing your relationship with lenders instead of constantly going to new ones. Really it comes down to what works for you! If you decide to come to the garden club we will welcome you with open arms
And don't forget baller4life is handing out hoes for everyone who gardens!
I agree applurker. It's a personal choice. See you next year!!!
@Anonymous wrote:
@Anonymous wrote:If you wanna churn & burn sign up bonuses, more power to you. Different strokes for different folks.
But I will say this. The garden is always there for you to come back if you so choose to.
I need to head into the garden. What I'm trying to tell myself is...not only will the garden always be there, so will those signing bonuses and various cards that might seem alluring. I got what I need. My spree over the past week since finding the forum has netted me the pieces I need to maximize my rewards in the categories that are most important/beneficial to me and broght my overall utilization from 52% to 30%. I don't need anything more.
There are two things that keep pulling at me just because I know they're out there and I don't have them. BUT I DON'T NEED THEM. And if they keep pulling at me, then I can revisit later. The likelihood is they're not going anywhere and if they do...I'll be JUST fine.
This is me...heading to the garden...here I go...starting to walk that way...I should be there...in. just. a little. bit.
Good luck gardening!!! I like the way you think!!! Recognizing needs vs wants is always a good thing.
@lg8302ch wrote:
@SecretAzure wrote:
@lg8302ch wrote:Congrats your nice card selection! .. YES gardening is hard but look at the bright side...it gets easier and easier with some practice
ps: it's my 4th attempt to pass the Golden spade and I truly hope I can do it this time
Golden spade is how long? I don't even garden officially, I just garden myself with no little images or recognition. Easy apps with high SL's is reward enough for my hard work in the garden lol.
It is 6 months. The main reason probably I got weak after that period is because I set myself the minimum limit to not add any new accounts in less than 6 months..so minimum goal reached = tempted = app .. oh well I do not regret anything as I like all my cards and every one was worth apping for. ... Well maybe not the Perks+
but I had to go that route as I am not allowed to app for Cash+ and try now my way to get that Cash+ on my wishlist with a small detour. Not sure about the outcome but worth a try IMO. Otherwise I am very stubborn with my apps and only app or take offers from cards that I really want to keep long term. Until this day I do not have any closed cards on my file. My file has only the cards in my signature and noting else.
Lol LG, you make me laugh. Don't regret anything! Why waste the mind energy regretting? Simply move on and improve! 
I also don't have any closed cards but this Secured Cap 1 card is really asking for it lol. I think you should go a year and see how you feel after that! With all those good cards asking to get used, it will let the auto-CLI's flow in your direction!
Good luck either way!
Must garden until 2/1/2022 to hit my goal AAOA. 
@jbsea wrote:I agree this is hard!!!!!!!! But so far all the advice I have received on these forumes have been perfect. But on the other hand reading everyones approvals and thinking "my score should get me that card" is hard to not try. I'm thinking of leaving hear till I'm ready to app for something. Being here is just like waving candy in frount of a baby
I agree. Sometimes you have to step away. Good luck!!!
@Anonymous wrote:
It isn't impossible but being on this site can make it difficult if you aren't that disciplined and snatch up cards just bc everyone else does.Life happens. I can say I'll be there for six months but then a card catches my eye that would really benefit me and that plan is shot. Taking it one day at a time is better for me than worrying about it daily.
Sound advice.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:If you wanna churn & burn sign up bonuses, more power to you. Different strokes for different folks.
But I will say this. The garden is always there for you to come back if you so choose to.
I need to head into the garden. What I'm trying to tell myself is...not only will the garden always be there, so will those signing bonuses and various cards that might seem alluring. I got what I need. My spree over the past week since finding the forum has netted me the pieces I need to maximize my rewards in the categories that are most important/beneficial to me and broght my overall utilization from 52% to 30%. I don't need anything more.
There are two things that keep pulling at me just because I know they're out there and I don't have them. BUT I DON'T NEED THEM. And if they keep pulling at me, then I can revisit later. The likelihood is they're not going anywhere and if they do...I'll be JUST fine.
This is me...heading to the garden...here I go...starting to walk that way...I should be there...in. just. a little. bit.
Oops! My sincerest apologies! I totally misread your original post. My bad.
But yes! +1000 on this reply. You know what's up. The garden will always be there. The sign up bonuses will always be there. In fact, you might come across a better sign up bonus than the one leering at you right now, in say 4-6 months. Who knows? Maybe you'll even find a better card than the one you want right now. 6 months into gardening, I changed my whole gameplan up. What I thought I wanted was traded in for something bigger and better.
Get your butt to the garden and I look forward to seeing you there!
