topic Re: Garden Club - August 2017 in Credit Cards

Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 04:17:05 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 - August 2017

Anonymous — Tue, 01 Aug 2017 04:16:33 GMT

I'm here!

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 04:20:31 GMT

Checking in for August!

Committed to the garden, and letting my accounts age and grow. Looking forward to staying planted for a while!

Garden strong everyone!

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 04:22:27 GMT

@Anonymous wrote:
Checking in for August!

Committed to the garden, and letting my accounts age and grow. Looking forward to staying planted for a while!

Garden strong everyone!

I know you can do it Bella!

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 04:53:33 GMT

Thanks, Anusara!

Hey, where's the gang? All asleep in their beds?

Heeeeey yoooooou guuuuuuuys!

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 05:01:07 GMT

@Anonymous wrote:
Thanks, Anusara!

Hey, where's the gang? All asleep in their beds?

Heeeeey yoooooou guuuuuuuys!

You're welcome Bella.

I was thinking the same thing. I expected a stampede especially after AvgJoe offered free tickets to the winner.

As usual the girls did their thing. The fellas couldn't hang!

Re: Garden Club - August 2017

CreditMagic7 — Tue, 01 Aug 2017 05:32:36 GMT

Checking in for August.

No spree at all on the ticker the rest of the year BUT if something is promising to help make better adjustments then this stay could be shorter than the last one which lasted from January until just last week which is a milestone in this camp.

Would like to add a Chase Card to pair with the Freedom but am so on the fence over that and have been for many months. I keep passing up those Your Offers with the green checkmark mainly because they are double pullers for me and i managed to really slice INQ's all the way down to bare bones now. And i like to keep it that way.

NFCU is been a shining light as well as Capital One these past few weeks in tweaking with first a nice SP CLI followed up with a C1 Combo that allowed to close a high APR card with them.

So, in short CM7 is towing the line until something makes it worthwhile to do otherwise.

Garden Long and Stay Strong

Re: Garden Club - August 2017

Discover2016 — Tue, 01 Aug 2017 05:34:25 GMT

Yay still gardening! This month I earned the emerald!

Re: Garden Club - August 2017

CreditMagic7 — Tue, 01 Aug 2017 05:54:04 GMT

OMG, that does look like a gemstone where some real effort was put into buckling down hard.

Huge Congratulations on pressing ahead strong and firm in your efforts to shine that profile up very nicely

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 06:04:20 GMT

Still here!

Re: Garden Club - August 2017

queenrnb — Tue, 01 Aug 2017 06:09:52 GMT

1st Time Gardening, 1st Day...wish me luck!!!

Started rebuilding mid-June, got my first big cc in July and now gardening to watch the scores grow hopefully while maintaining low util and taking care of the baddies along the way.

Looking forward to staying strong with fellow club members

Re: Garden Club - August 2017

EdMan63 — Tue, 01 Aug 2017 08:19:36 GMT

Happy August everyone. Summer is zooming by as usual. Credit scores up slightly. Two months app free. Staying that way for foreseeable future. Stay strong y'all!!!

Re: Garden Club - August 2017

coldnmn — Tue, 01 Aug 2017 08:52:28 GMT

Checking in for August, gardening strong!

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 08:57:48 GMT

Page 1!!!! BAM y'all... Welcome to August!! I'll be updating my spade later on today... Nothing being apped for until January. Got big balances to pay off on two accounts that I have promotional low APR's on. Also going to the patch so I can quit smoking. Gonna be a stressful month... Hope I don't get fat... Too late!! Baaaahahaha!!!!

Re: Garden Club - August 2017

Saleen099 — Tue, 01 Aug 2017 11:06:04 GMT

Good Morning Everyone!!!!!

Re: Garden Club - August 2017

AverageJoesCredit — Tue, 01 Aug 2017 12:18:47 GMT

Ok, ok, i just woke up having my morning Joe and i just realize its the 1st 2 pages in , wow!

Congrats to the ladies, Anusara, you have won the deal of a lifetime, Who needs lottery when you can meet and greet the average one haha

Good to see you Bella! Lol GOONIES for life!!!!

Little disappointed with Citi today was supposed to be my 6 months to try to get my first sp cli with my Dc but seems they continue to not like me. Used to have the sp language but they revoked that and now they need to pull a report and of course they always want Equifax . Ah well, i think ill sd that for awhile, everyone else is growing but them so ill let them stew for awhile

Before my Ex refreezes, i checked my Discover scorecard and my Ex was 750 yesterday! Another all time high! Though i do expect it to crash somewhat once my new Boa limit reports. Well, everyone continue being strong, another month down

Heyyyy YOUUUUUUU GUYSSSSSSSS. LOL CLASSIC!!

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 12:26:47 GMT

I'm back. I got lost for a few months. Rejoining the garden for the time being. We hopped out on June 21st to take hard pulls to buy our first home. We closed this past Friday, July 28th and are getting settled into the new place. I didn't do the proverbial app spree after closing. There is a slight possibility that we'll step out of the garden temporarily for furniture if we don't pay cash. My wife is five months pregnant and our first little munchkin is due in November so we'll be switching from house hunting mode to 'baby watch/prep 2017' very soon.

Re: Garden Club - August 2017

Anonymous — Tue, 01 Aug 2017 12:39:33 GMT

Aww congrats on the baby, Pedro!!

I’m hereeeee for another month. August will make 4 months. Also my 7th discover statement cuts this month I’m hoping they think I’ve been a good girl and will unsecure me. They obviously didn’t think I was good enough to get it done a little early.

Anyone here going to be in the path of the eclipse on the 21st? Schools and everything is closing around here for it. But it will be neat I’m looking forward to it!

Re: Garden Club - August 2017

odd_dog — Tue, 01 Aug 2017 12:40:14 GMT

Happy August fellow Gardener's ....... and Joey! Well the gardening thing is working, my score is up again, now in the high 700's sadly this has been a long climb since my fall from grace due to that HIDEOUS "nissan finance" late pay fiasco.....OH will I ever see the 800's again? Luckily there are no cards I am interested in and have cut the herd plenty....only thing on the horizon would POSSIBLY be the new BOA premium card, but we will see, it would REALLY have to be good and if I gain one I will delete one. My new rule!! LOL ENJOY!

Re: Garden Club - August 2017

driftless — Tue, 01 Aug 2017 12:53:18 GMT

Greetings everyone! I hope that your garden is glorious in August.