When do you decide to stop the apps and garden?

[core]

When the CSR on the phone pulls my report and bursts out laughing or uses a 4-letter word.

[Anonymous]

my app spree stopped this month i got in with a WF card and got denied for the chase marriott reward.

[Anonymous]

The answer is to stop when you have everything you want.

For some, we want everything! Muah ha ha....!

[redpat]

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@Anonymous wrote:

The answer is to stop when you have everything you want.

For some, we want everything! Muah ha ha....!

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I agree.

I stopped at three.  I'm prequaliifed for CSP and freedom but I wouldn't use them.

i happy with what I have.  I like the rewards and travel benefits.  

I see see many chasing for higher limits and churning.  Credit is to be used  not stockpiled.  I have more credit than I need.  

[Anonymous]

When you can't pick what card to use at the register 😝

[Anonymous]

LOVED reading your responses! Thank you!

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of American Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
FICO: EQ - 764; TU - 696; EX - 681; GOAL: 780 across the board. Gardening until further notice.

[Anonymous]

at 7 TU inquiries, I figured I needed to relax.  Also when I was denied for the Sams mastercard and instead downgraded to their PLCC.  Then once I brushed up on myfico, I decided to get my Amex because of the easy bonus.  

I also realized I could request CLI's on several accounts I already had, where a HP was not required.

I was very torn between apping for Discover, or Amex.

I do honestly have no regrets, which feels good. Well, maybe not trying for the salliemae instead of the silly amazon plcc.

The only thing I have to focus on this summer is getting my util down, making sure I do several tiny transactions with amex to get the extra points, and really trying hard to PIF the Amex monthly because thats what they like.  OH and maybe making a little cheatsheet of statement close dates because I always pay early, but never on the right dang date!

[Anomalous]

I was in the garden for 6 months after my first app spree. Went on another spree recently, but got denied for three cards that I wanted. I'm back in the garden, but going for longer than six months this time. I want all of my scores at or above 700 before I app again.

[Aarvard]

When I can't find any other expense that I can use to meet the spending requirement for signup bonus, which typically happens to a broke college student 

[JSS3]

When these cards stop calling me!