topic Re: Thoughts on Wallet in Credit Cards

Thoughts on Wallet

Jayb5635 — Sun, 24 Mar 2013 17:31:51 GMT

Just wondered what everyone thinks, as I think I'm done constructing my wallet. 8 cards, all in my sig below. I guess I'm now officially in the garden. What's it like in there ??? Lol

Re: Thoughts on Wallet

jeffery581 — Sun, 24 Mar 2013 17:33:30 GMT

Boring.

Makes you want to go get more plants.

Re: Thoughts on Wallet

Anonymous — Sun, 24 Mar 2013 17:47:07 GMT

Ignore jeffery581! Lol. It's great in the garden. The virtual parties are great too!

Re: Thoughts on Wallet

Jayb5635 — Sun, 24 Mar 2013 19:26:03 GMT

Lol

Re: Thoughts on Wallet

LS2982 — Sun, 24 Mar 2013 19:30:18 GMT

@Anonymous wrote:
Ignore jeffery581! Lol. It's great in the garden. The virtual parties are great too!

Yea when i'm not e-hungover

Re: Thoughts on Wallet

E150GT — Sun, 24 Mar 2013 19:32:40 GMT

8 cards! i want to cull my binder clip down to 2!!

Re: Thoughts on Wallet

thom02099 — Sun, 24 Mar 2013 19:32:49 GMT

@Jayb5635 wrote:
Just wondered what everyone thinks, as I think I'm done constructing my wallet. 8 cards, all in my sig below. I guess I'm now officially in the garden. What's it like in there ??? Lol

I think you should join us in the Garden, sit back, relax...have a pina colada or adult beverage of choice, watch your plot in the Garden mature and grow! That's a pretty collection you've got there!

Re: Thoughts on Wallet

Jayb5635 — Sun, 24 Mar 2013 19:37:46 GMT

Haha thanks so much. Feels weird to not really have another goal in mind as far as a card. Maybe I'll pc the zync to the platinum one day, I dunno. I also checked my 3 plus scores, and they're all north of 700 which is nice to see. Gardening...new territory lol

Re: Thoughts on Wallet

Anonymous — Sun, 24 Mar 2013 19:45:08 GMT

You can try getting some soft pull CLIs and APR reductions. There is still work to be done in the garden!

Re: Thoughts on Wallet

Anonymous — Sun, 24 Mar 2013 19:44:49 GMT

@Anonymous wrote:
Ignore jeffery581! Lol. It's great in the garden. The virtual parties are great too!

+1. The GC thread has grown to be extremely popular.

As for what credit gardening is like IRL, it's a different sort of satisfaction from apping. When you app for a new card, it has a certain thrill of the hunt to it. Will I get approved? If so, what CL will they give me? What APR? You press the submit button and then sit and wait for about 60 seconds, the whole time your adreneline pumping, uncertain of the outcome. Then comes the rush from the approval or the let down from the denial.

The satisfaction from gardening doesn't come in 60 second burts of adreneline. It comes from watching your scores go up as your accounts begin to age and the new credit ding fades. Instead of approvals, you begin to look forward to auto or soft pull CLIs; if you have GE cards in your wallet, then you get to look forward to these on a regular basis. And if you pull your reports on a regular basis -- whether it's monthly, quarterly or annually -- you get to watch your AAoA grow, and feel a sense of accomplishment as your credit becomes "established." So instead of the thrill of the hunt, it's the joy of cultivating.

So gardening isn't as boring as some make it out to be; it's simply a different mindset. And in the Garden Club thread, we do celebrate the above achievements with every bit as much enthusiasm and support as is found on all of the congratulatory approval threads that pop up on these forums. Plus, we have awesome snacks and drinks!

Re: Thoughts on Wallet

Jayb5635 — Sun, 24 Mar 2013 19:46:13 GMT

Yes that sounds like a plan, just wish cli's weren't hard pulls with Chase...sheesh

Re: Thoughts on Wallet

Jayb5635 — Sun, 24 Mar 2013 20:06:55 GMT

I will say the card I lean towards trying a cli with first is the csp, because I want to see a 10k limit. That'll be an achievement lol