topic Re: Garden Club - July 2017 in Credit Cards

Garden Club - July 2017

UncleB — Sat, 01 Jul 2017 04:17:25 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 - July 2017

azguy13 — Sat, 01 Jul 2017 04:25:47 GMT

Happy July!

Re: Garden Club - July 2017

Anonymous — Sat, 01 Jul 2017 04:29:54 GMT

I'm here!

Re: Garden Club - July 2017

Discover2016 — Sat, 01 Jul 2017 04:47:10 GMT

Still gardening! Next month I earn my emerald precious stone. Hope everyone is doing well.

Re: Garden Club - July 2017

iheartwings — Sat, 01 Jul 2017 04:58:18 GMT

Whoopee!!!! I think I made it to the first page!!!!!

Happy July, all.

Still tending to the wilted plants in my plot, as I have a brown thumb. But, these suckers are keeping me out of trouble. My FICO8 scores somehow have all have crossed 800. I continue to be boring, though I have been waffling on attempting a PC from Chase Freedom to Chase Amazon Prime Visa. I really am feeling too lazy to even bother calling or writing to see if it can be done. Namely, I don't want a new account, but thought the PC might be a better option given that the Freedom and Discover have a fair amount of overlap.

Lots of noncredit fun going on in my world. Heading to Canada this month to visit Vancouver and working on plans to visit Hawaii (big island) at the end of August. Been working extra and setting extra cash aside to pay for my travels. Also, finally getting my level of fitness up, so thinking about doing a half marathon in the early fall.

Stay boring, and garden strong.

Re: Garden Club - July 2017

UncleB — Sun, 02 Jul 2017 22:07:45 GMT

Happy July everybody!

I'm still holding strong... no new accounts since January, and my last HP was in March.

I don't have a specific goal in sight, however I've found that I do like the simplicity of not having to be concerned with all the drama that goes along with new accounts. Perhaps one day I'll decide to add a spade to my siggy... LOL.

On a different note, 2017 is now half over!

(Edited to correct that my last HP was in March... forgot about that one.)

Re: Garden Club - July 2017

Steelersboy — Sat, 01 Jul 2017 05:07:02 GMT

4 days til July 4th grub!

Re: Garden Club - July 2017

Anonymous — Sat, 01 Jul 2017 07:06:09 GMT

Happy July! Time to eat BBQ and swim!

Re: Garden Club - July 2017

CreditCuriosity — Sat, 01 Jul 2017 07:12:05 GMT

Wowzers I am one of the firsts...Whether I stay who knows; I have only 2 Exp pullls in the last year and score is higher than ever

Re: Garden Club - July 2017

EdMan63 — Sat, 01 Jul 2017 07:22:52 GMT

Boy the months are just flying by. July already. Hope everyone has a great holiday and continued success with your gardening endeavors. All is good on the credit front with no plans for any apps going forward until maybe next year. It will feel good to just manage my finances with no new inquiries or accounts. It's been a busy 6 mos for me since moving in our new home and I don't see that changing for awhile with everything that needs to be done. Take care all.

Re: Garden Club - July 2017

Anonymous — Sat, 01 Jul 2017 07:53:53 GMT

Happy July! Still in the garden; although it's only been 2 weeks or so. Hope everyone has a great weekend and a safe 4th of July.

Re: Garden Club - July 2017

10022016 — Sat, 01 Jul 2017 07:58:47 GMT

Sapphire spade coming in twelve days.

Re: Garden Club - July 2017

nrm — Sat, 01 Jul 2017 09:02:23 GMT

Checking in!

July 1st

Anonymous — Sat, 01 Jul 2017 10:08:14 GMT

HAPPY CANADA DAY GARDINERS!

It's Canada Day, and I've been in the garden for 14 months. During that time my FICO has grown to a healthy 780.

Looking forward to a wonderful 4th of July in the garden too!!!

Re: Garden Club - July 2017

irunfromcredit — Sat, 01 Jul 2017 10:44:09 GMT

Happy July gardeners!! Nothing much to report here...I do admit, waiting during this mortgage process is kind of painful...😂 But it will be worth it in the end. Again, no major urge to apply for credit, but am already thinking about the bigger appliance and home upgrades I want to make once this is over...🤔 Anyhow, I'm rambling....happy gardening al!!

Re: Garden Club - July 2017

coldnmn — Sat, 01 Jul 2017 11:00:08 GMT

Checking in for July! One year!

Re: Garden Club - July 2017

FireMedic1 — Sun, 02 Jul 2017 20:23:25 GMT

Checking in. Got the spade back. Love how all the Fako's got the new account posted after 60 days this week. But My(slow)FICO still hasn't updated yet. Sheesh! Working a long day today. Double races after last nights cancelled race. Have a great 4th folks. Go Dale JR!!!!!!!!!!! FTW! #Daletona

Re: Garden Club - July 2017

Anonymous — Sat, 01 Jul 2017 11:47:25 GMT

Happy July myfico family.

Stay strong. Temptation is always around the corner. I want to say thank you for the advice and support you provide. Wouldn't have gotten this far without it.

Have a great month. 😄

Re: Garden Club - July 2017

AverageJoesCredit — Sat, 01 Jul 2017 12:05:23 GMT

Happy July everyone

Day 1 , page 2 not bad lol.

Technically 5 days past, but today will mark day 1 back in the garden. Hey, this isnt so bad , see some familiar faces here

Well done to everyone on their progress. Uncle B glad to see you still riding the high horse lol, and Justa, just remember to wait 20 minutes, but its sound scrumptious

Stay safe everyone, and lets keep a thought for all our veterans and men and woman serving all over the world.

Re: Garden Club - July 2017

Saleen099 — Sat, 01 Jul 2017 12:06:32 GMT

Good Morning Everyone!!!!