I'm new the forums and spending some time in the garden.  I won't be opening any new cards until after I find and close on my house. I'm thinking about the following around summer (I have 5 inq falling off in feb 2013 DCU Rewards, Discover Rewards. 

 

Not sure which others rewards cards are really BK friendly (bk 08)

Still hanging around. No apps.

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creditnocash wrote:

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Wolf3 wrote:

What about those who are planning to refinance a mortgage?  Is that in or out of the garden?

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if you take an inquiry to refinance your out but its a big reason to step out. and hopefully for the better. 

 

ANY hard pull will result in this. 

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The rule is specifically any HP that leads to a tradeline, or has the possibility of leading to a new tradeline, or is a change in the tradeline (CLI's being the example there).

 

As a refinance of either a mortgage or auto loan leads to a new tradeline, that is considered stepping out of the garden... though both absolutely worth doing so for unlike some number of credit card applications.  Gardening is a tool after all, not an end goal in itself.

 

There are a few other reasons for inquiries though, rental check, new utilities, or renting a car with a debit card (unlikely on this particular forum I admit) that have no chance of leading to a tradeline and are considered unavoidable.  As such they don't reset your gardening timeline.

Day one of gardening

PayPal MC 1000
Barclay rewards 1000
Matrix sec 300 (plucking this weed prior to fees)
Applied 500.

Plan not to app until 11/13ish state inspection runs out that's when i plan to exit.

Approved for both PayPal and Barclay this month. Both on recon. Thank you guys/lady's.
With out u i could not of got this far.

Also quit smoking and put that money towards applied secured until 5k Max.

Thanks for the help and encouragement. HAPPY NEWYEAR

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Wolf3 wrote:

What about those who are planning to refinance a mortgage?  Is that in or out of the garden?

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I applied to refinance my mortgage in July points to siggy... lost my spade but saved 15k over the life of the loan. Reduced my payment by 500 per month on a rental property. No one will think badly of you for stepping out of the garden for a timely refi

Silver Spade this month! Don't have the itch as much the last two weeks. I have gardened Home Depot, Lowes, Cabelas, Tractor Supply, Walmart, Amazon and Associated Bank. PIFed all of them. Now for round three. Good luck everyone!

@revelate... prior to getting additional cards in february 2012 I rented a car and I got a HP for it in July 2011. Such a sad reason to get a HP... if I had known about this forum I could have probably had an amex back then!

@obageegee. ... Congrats on silver spade!!!

Ouch web.

I would be pissed if i got a HP to rent a car. Same thing with cable companies and stuff. Id rather leave a deposit than get a hp.

As with many others, January was to be the month I was going to apply for a couple new cards. I scratched that itch successfully in November and have been happily back in the garden since.
Enjoying some Champagne hoping to remain here for a long time.

I've grown so much in knowledge from this great community & I will not seek any further credit lines, only nurture & care for what's already achieved. I've acquired new lines, improved old lines, & will seek new ventures late 2013 (Oct-Nov-Dec).

 

Happy New Year 2013 !

 

SisterGirl