cancel
Showing results for 
Search instead for 
Did you mean: 

should i???

tag
afbar1114
Valued Contributor

Re: should i???


@LS2982 wrote:

@logan_720 wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

+1

 

Leave them all open let them grow!! SD if you don't want to use them!


that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 11 of 41
FrugalRican
Blogger

Re: should i???


@afbar1114 wrote:

@LS2982 wrote:

@logan_720 wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

+1

 

Leave them all open let them grow!! SD if you don't want to use them!


that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much 


 

Because you went app crazy last month lol Smiley Tongue

 

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 12 of 41
afbar1114
Valued Contributor

Re: should i???


@FrugalRican wrote:

@afbar1114 wrote:

@LS2982 wrote:

@logan_720 wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

+1

 

Leave them all open let them grow!! SD if you don't want to use them!


that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much 


 

Because you went app crazy last month lol Smiley Tongue

 

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.


yea but i only got four cards 2 of which i are prime so i am happy maybe 3 cards....nope 4 lol 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 13 of 41
LS2982
Mega Contributor

Re: should i???


@afbar1114 wrote:

@FrugalRican wrote:

@afbar1114 wrote:

@LS2982 wrote:

@logan_720 wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

+1

 

Leave them all open let them grow!! SD if you don't want to use them!


that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much 


 

Because you went app crazy last month lol Smiley Tongue

 

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.


yea but i only got four cards 2 of which i are prime so i am happy maybe 3 cards....nope 4 lol 


You'll be just fine with the accounts you currently have! Let them grow, and SD the ones you are not using.




EQ FICO 548 3/3/16
Message 14 of 41
afbar1114
Valued Contributor

Re: should i???


@LS2982 wrote:

@afbar1114 wrote:

@FrugalRican wrote:

@afbar1114 wrote:

@LS2982 wrote:

@logan_720 wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

+1

 

Leave them all open let them grow!! SD if you don't want to use them!


that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much 


 

Because you went app crazy last month lol Smiley Tongue

 

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.


yea but i only got four cards 2 of which i are prime so i am happy maybe 3 cards....nope 4 lol 


You'll be just fine with the accounts you currently have! Let them grow, and SD the ones you are not using.


sounds good... but do i need to use them at all or can i just let a $0 bal post each month...sorry for all this i really runined my credit about 5 or so years ago and i am just now getting it fixed, and i am trying to learn since my family knows nothing of credit. 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 15 of 41
logan_720
Established Contributor

Re: should i???

Just think of the cards you can get if you garden for a year or two... I know if I wouldn't have gone app crazy and just applied for what I needed, I would have a few Visa Sigs in my possession...
Message 16 of 41
afbar1114
Valued Contributor

Re: should i???

and i am not taking the BCP offer they sent me either...lol which is get $100 CB after spending $500 in 60days

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 17 of 41
LS2982
Mega Contributor

Re: should i???


@afbar1114 wrote:

and i am not taking the BCP offer they sent me either...lol which is get $100 CB after spending $500 in 60days


It might be best for you to opt-out.




EQ FICO 548 3/3/16
Message 18 of 41
FrugalRican
Blogger

Re: should i???


@LS2982 wrote:

@afbar1114 wrote:

and i am not taking the BCP offer they sent me either...lol which is get $100 CB after spending $500 in 60days


It might be best for you to opt-out.


+1 with lots of exclamation points afterwards.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 19 of 41
afbar1114
Valued Contributor

Re: should i???

nah it will help me control my self if i dont 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 20 of 41
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.