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What is "gardening" and what is it used for?

New Contributor

What is "gardening" and what is it used for?

I have been a lurked on these forums for a while, and just made an account. I have seen several references to "gardening" with respect to credit cards on these boards. What exactly is that and why do you do it?
Citi Platinum Dividend $34,600 line, 14.2%%
Bank of America Platinum Rewards, $85,000 line, 13.99%
Discover It $50,000 line, 20.9%
Amex Blue Cash Preferred $18,000 line, 9.99%
Capital One Venture One, $8,500 line, 20.9%
Amex Hilton Honors $25,000 line, 17.24%

Amex Delta Platinum, 20,000 line, 22.99%
Belk store card, $124 line, 15%, $0 balance on all cards
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Regular Contributor

Re: What is "gardening" and what is it used for?

Gardening is the process of not applying for credit that results in a Hard Pull(HP) on your credit report. Everytime you have a hard pull your score drops a little bit, also by allowing your accounts to age your score will boost as you get points for the average age of accounts.

 

There are the monthly gardening threads, look in those and the first post explains the process.

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Valued Contributor

Re: What is "gardening" and what is it used for?


kilj0y wrote:
Joined the Garden Club 6/1/13 hopefully for a year! Keep me motivated!
Welcome to the forum and a great big welcome to the garden!!!Smiley Very Happy

 


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
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