Well, I'm still in the garden, but I'm edging toward leaving the garden to get a credit union credit card due to my ongoing unemployment. It hasn't come to it yet and I've been holding off on any apps because I want to get a mortgage next year, but I've been unemployed for three months now so I have to take every possibility into consideration. If it becomes necessary, I'd rather have to carry a balance on a high CL, low interest credit union credit card rather than my high interest rewards cards.
I'm still clutching my platinum spade right now, though, and I really don't want to have to lose it. :-(
Starting Score: TU: 566