Just need to vent....

[tommywerdine]

So I am currently in the garden, and it's pretty hard sometimes to not run off and start an app. Does anyone else have this urge? I know that I need to AAoA and revolving to age, so i don't want to apply for more credit, plus I want my inq's to age. Just wondering if anyone else has this urge when they're in the garden!!!

[myjourney]

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@tommywerdine wrote:
So I am currently in the garden, and it's pretty hard sometimes to not run off and start an app. Does anyone else have this urge? I know that I need to AAoA and revolving to age, so i don't want to apply for more credit, plus I want my inq's to age. Just wondering if anyone else has this urge when they're in the garden!!!

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Each and every one of us have the urge but knowing why we're there and having a long term plan helps ease the urge.

So stay strong and it will be well worth it also the longer you stay the easier it gets to say no

[blondy250]

You should really try to stay away from this forum. It encourages some people to app who shouldn't, when they read of others who do. Just my opinion.

[notfancy]

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@tommywerdine wrote:
So I am currently in the garden, and it's pretty hard sometimes to not run off and start an app. Does anyone else have this urge? I know that I need to AAoA and revolving to age, so i don't want to apply for more credit, plus I want my inq's to age. Just wondering if anyone else has this urge when they're in the garden!!!

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All the time... Well.. a lot of the time now. It sort of gets easier. Join this thread if you'd like: Garden Club Meeting - January 2014

You'll find the posters there are friendly, helpful and will do what they can to support you and keep you in the garden. Don't be shy! It's true what the previous poster said about the forum. Sometimes seeing other people getting approved for things, especially when it might look like their credit is as bad as or maybe worse than yours, makes it much harder to garden.

Hope to see you in the GC!

[diebadcredit6504]

All the time my friend. Especially when I get a score update and it goes up. I really want to start applying, but I have to many inquires. I recieved a two letters one from Wal-Mart and another from Barclay starting that I have many inquires listed on my credit report that why I wasn't approved. I have around 10-12 that I need to let age before applying again.

Trust me it's hard but I know not applying will payoff in the long run.

[baller4life]

Yes it's very hard not to app but you have to keep your eye on the prize....prime cards with high limits. And I remind myself whenever I do get the urge that I need to be in the best possible shape I can to get the cards and limits I want. I must build positive revolving history, let inqs age and derogs fall off. I don't want anymore denials or toy limits. So it's worth the wait!

[ezdriver]

No ... not me. I will not app for any credit without a specific need/objective in mind. I'm treating credit as a tool to be used when appropriate. Now, about the urge for a shot of good whiskey? Absolutely!

[baller4life]

Lmao@ezdriver!

[-NewGuy-]

It's tough, for sure. You come up with a good plan that you think gives you great odds of success, and then you read about a bunch of approvals that sound like situations that are similar to yours, and figure what the heck, I could probably pull it off right now, right???... Maybe. But there was a reason that you put your plan in action in the first place. Still hard though, I'm with you. I want the Hyatt card, and said I would app in May. Could I get it sooner? Maybe. But I estimated that May would give me the best odds for success, so I am sticking to it.

If the approvals forum gives you the urge, don't go there. Or any other ones that make it harder. Just do what's best for you, and everything else will work itself out.

[baller4life]

Just stay out of the Credit Approvals section of forum. That's like an alcoholic going to a bar!