And every month moderator tinuviel starts a new thread for the "gardeners" -- we who are not applying for any new credit.
We can put a seedling (like mine) in our signatures when we first enter the garden. Then after a month, we start earning different colors of spades, depending on how long we've been "in the garden." The whole idea is to let accounts age and scores rise to put ourselves in better position later to apply for mortgages, auto loans, or cards we really want. In the garden thread we share our progress, and sometimes our regress.
As often as not, the garden thread turns into a big garden party, where people who are gardening their accounts joke, post pictures of garden party food and drinks (thanks, myjourney and others), and support each other when we get the itch to apply for something new.
And there are pictures of calamine lotion to help with the itching.
Welcome to the forums!
