topic Re: Garden Club - June 2017 in Credit Cards

Garden Club - June 2017

Kenny — Thu, 01 Jun 2017 04:07:45 GMT

Welcome, Garden Club Members!

Welcome all new GCers, returning GCers and old timers to our little island of "No Credit Applications".

What is gardening? Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current trade lines to grow and mature, waiting for inquiries to age or fall off, and possibly waiting for "baddies" to be removed/age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade. Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inq's age or just want a place to hang out to get away from the hustle and bustle of credit card talk.

So, if you're at the stage of your credit journey where you're ready to enter the garden, please come and join us. You may pick up your complimentary watering can and garden gloves by the front door -- you can even choose your favorite color! We're proud to offer a well appointed clubhouse. There is a snack table set up. You'll always find camaraderie available here as you work towards your gardening goals.

Help yourself to our drinks and appetizers. Flat-breads, sliders, pizza, buffalo wings, grilled zucchini, kale salads, pecan and apple pie à la mode. There's also a nice selection of cold beers. Once again, please feel free to bring anything you'd like to add to the festivities. And, in the corner diagonally across from the front door, there is a fully stocked bar, along with a wide selection of soft drinks. If needed, there are some anti-itch medications stocked in our supply cabinet near the door -- Lanacaine, Benadryl, etc. If you need to place your reports in the deep freeze, we also have a freezer, located next to the bar, so go ahead and throw your reports in!

So come on in and make yourself comfortable. Make a gardening plan and commit to sticking with it! Are you planning to wait six months before applying for additional credit? A year? Until the last of your baddies drop off? Whatever your goal, we're here to support you. If you feel the "app-itch" coming on, let us know and we'll try to help you through it.

Now, if you happen to leave the garden prematurely, that's your decision and we respect that. You are always welcome to come back, pick up your gardening tools and start over again. But please, celebrate any approvals and the discussion of which credit card to app for on another thread. While we are happy with members’ success stories, we really do want to keep this threads focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate SP CLIs in this thread, as they do not involve inq's or apps for new credit.

GARDEN CLUB CHALLENGE AND RECOGNITIONS:

Garden Club Challenge: Pick a firm date for staying in the garden and post it in your siggy!
Garden Club recognition levels: To qualify, your reports must contain:
No new tradelines of any type on one's accounts (this includes any backdated account, as they are STILL new "seedlings").
No HPs for anything that would allow for the possibility of a new tradeline being issued or increasing the CL of an existing tradeline.

*The Garden Club community recognizes that certain inquiries are necessary for factors beyond those listed above. Therefore, Hard Pulls/Inquiries for the following bona fide reasons are exempt but not limited to: Opening checking/savings accounts (so long as no line of credit is being opened in addition to these accounts), Employment Applications, Apartment Rentals, Utilities and other such services. These are not considered to be applications for credit per se. Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing. For those GC'ers, the first hp will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal hp rules apply.

You will be able to add the following to your siggy if you have been abiding by the above for the following time periods...

Less than 1 month - seedling
1 month - bronze spade
3 months - silver spade
6 months - gold spade
9 months - palladium spade
12 months - platinum spade
15 months - ruby spade
18 months - emerald spade
21 months - sapphire spade
24 months or more - diamond spade

Please note: recognition levels reset once you add an account or incur a HP. We recognize that there may be very good reasons for "leaving the garden," and we respect whatever thoughtful decisions members make. As stated previously, members are always welcome to come back, grab their gloves and start gardening once more.

To ensure that your graphic comes out properly on your siggy, please be certain that it has been added as the very first line of code.

Seedling:

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">

Bronze:

<img src="http://i.imgur.com/LEYWe.png" border="0" title="Bronze Garden Club Member" width="40" height="40" align="right">

SIlver:

<img src="http://i.imgur.com/Gfc4B.png" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">

Gold:

<img src="http://i.imgur.com/24xvV.png" border="0" title="Gold Garden Club Member" width="40" height="40" align="right">

Palladium:

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5761iE36E284CEECEA414" title="Palladium Garden Club Member" border="0" width="40" height="40" align="right">

Platinum:

<img src="http://i.imgur.com/vVRv5.png" border="0" alt="" title="Platinum Garden Club Member" width="120" height="80" align="right" />

Ruby:

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5625i09098E9833D7A4B2" border="0" title="Ruby Garden Club Member" width="40" height="40" align="right">

Emerald:

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5623i698C4BF1F9D77284" border="0" width="40" title="Emerald Garden Club Member" height="40" align="right">

Sapphire:

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5627iA714E0C3C98AD3FD" border="0" width="40" title="Sapphire Garden Club Member" height="40" align="right">

Diamond:

<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="Diamond Garden Club Member" width="40" height="40" align="right" />

So, please feel free to come on in and share your gardening progress. If you're new or returning, what are your goals? If you've been here for a while, how are things going? Let's all mingle, and support each other in our respective gardening efforts!

Just a reminder, if you are new to the forum, you may not be able to add your seedling to your profile. Send any mod a PM and we'll add it for you You can also use the "Report Inappropriate Content" function on the post to notify a Moderator, but indicate that you need __________ spade. (seedling, bronze, etc.)

Re: Garden Club - June 2017

Discover2016 — Thu, 01 Jun 2017 04:11:05 GMT

Still gardening! All is well in credit land, scores have inched up as my installment loan balance has decreased. My next spade will be emerald in August!

Re: Garden Club - June 2017

Anonymous — Thu, 01 Jun 2017 04:11:43 GMT

Seriously staying in the garden until June 2019. Next 2 years am going to keep my scores growth to purchase 1st home. I already got all the cards I want.

Re: Garden Club - June 2017

Anonymous — Thu, 01 Jun 2017 04:13:11 GMT

Checking in! Check out in 23 months 😀

Re: Garden Club - June 2017

Anonymous — Thu, 01 Jun 2017 04:19:48 GMT

Hello garden clubbers!!

Re: Garden Club - June 2017

Saleen099 — Thu, 01 Jun 2017 04:27:03 GMT

Good night everyone.

Re: Garden Club - June 2017

Anonymous — Thu, 01 Jun 2017 04:31:15 GMT

Starting to garden this month.

Can't believe it is June already

Re: Garden Club - June 2017

Shogun — Thu, 01 Jun 2017 05:45:24 GMT

I'll have to look and see when the last time I applied for anything. I know it's been a year and a half at least. Good luck gardeners!

Re: Garden Club - June 2017

minski — Thu, 01 Jun 2017 06:11:57 GMT

Resetting my gardening clock.

Re: Garden Club - June 2017

Anonymous — Thu, 01 Jun 2017 07:04:35 GMT

Still in the Garden Club - This month will make it 8 months.

Re: Garden Club - June 2017

bizarrocreditworld — Thu, 01 Jun 2017 08:42:38 GMT

Hello Everybody,

Sorry, but I came out of the garden yesterday to play two hunches. Since both succeeded, I have now met my credit goals for 2017-18 and am back in the garden until 1/1/2019 unless I get an pre-qualified offer I can't refuse (Superprime card with a major lender or a full-blown PLOC). I will be assisting my wife her auto loan in the fall.

Until the first day of 2019 I will be sitting in the garden, running the grill and having 5-star 2-out-of-3 falls matches with my patio table. My neighbors thought it strange that I "Hulked up" and hit the patio table with the Legdrop of Doom, but then they saw me tear my shirt open and walk to the four sides of my backyard holding my hand to my ear.

Anyway, I'm back in for a long spell.

Re: Garden Club - June 2017

Anonymous — Thu, 01 Jun 2017 10:11:17 GMT

Checking in for June. Got $1.1k of luv from Discover this morning, so that's nice

I'm tempted to request a CLI with Chase but will be waiting for some inq to hit 12 months first before stepping out of the garden for anything.

Until then, a bountiful early harvest is upon us!

Re: Garden Club - June 2017

Vegas4Play — Thu, 01 Jun 2017 10:44:58 GMT

Hello all checking-in on the fellow gardeners, hope all is well......stay plowing and plucking away at those SP CLI to keep busy and not app.

Re: Garden Club - June 2017

EdMan63 — Thu, 01 Jun 2017 10:51:09 GMT

Can't believe it's June already. Well my garden is reset again after purchasing a new vehicle last week after my current lease expired. I'm now in the garden for the foreseeable future as I now have nothing on the horizon as far as new credit. While there are a couple of cards I've had my eye on, I'm really ok with what I currently have and I'm not very enthusiastic about adding unnecessary cards for the sake of it. I've spent the last 2.5 years re establishing my credit after a major charge off 8 years ago and purchasing a new home last Dec was the icing on the cake. Time to sit back and nurture the garden and let accounts age and inquiries disappear.

Re: Garden Club - June 2017

tcbofade — Thu, 01 Jun 2017 11:19:24 GMT

Gooooood morning boys and girls. Happy June!

June will be month NINE for DW and I. Still here, still shovelin'....

Re: Garden Club - June 2017

tcbofade — Thu, 01 Jun 2017 11:35:43 GMT

...just updated the check book, had a few more dollars left over than I thought we would.... unmaxed another of DW's cc accounts.

One down, three to go...and it's only the first of the month!

Re: Garden Club - June 2017

Sandman771 — Thu, 01 Jun 2017 11:57:15 GMT

Well happy first day of Hurricane Season everybody!

I know it is FAKO not FICO, but my creditwise by Cap One jumped 40 points when NFCU reported my 9% CC usage. So I am sure there won't be a real jump that much whenever FICO gets around to updating but it was still some positive news on an absolutely miserable month end closeout in the car business. Or as we say down south "bid-ness".

Everyone have a great day and thank you again for the warm welcomes into this community.

Re: Garden Club - June 2017

coldnmn — Thu, 01 Jun 2017 12:00:07 GMT

Checking in for June! Still gardening strong!

Re: Garden Club - June 2017

AverageJoesCredit — Thu, 01 Jun 2017 12:06:59 GMT

Woo hoo! June 1, Nba Finals , 5 more days til i have 2 months in the garden. Great day and month to everybody.

Congrats to Discover2016 on getting in the first post on the 1st lol mikspdad1 had a great run, youll get them next month

Re: Garden Club - June 2017

odd_dog — Thu, 01 Jun 2017 12:17:56 GMT

June already WOW, off in a few to the lone star state on business.....more flying more FF miles, although I am thinking of switching airlines from American (now seems like a low-end airline - BOOOOO US Air for taking over and downgrading almost EVERYTHING) to Delta which seems more friendly and old world comfort-ish ( is that even a word? covfefe!!) What a shake up that would cause Credit Card wise, citi would go under if I stopped using my AA cards....LOL. Have a great rest of the week gardeners and "see" you Sunday!!! ENJOY!