topic Re: Garden Club Meeting - April 2014 in Credit Cards

Garden Club Meeting - April 2014

Anonymous — Tue, 01 Apr 2014 02:51:29 GMT

Greetings, fellow credit gardeners! We've got a brand new month upon us. So, I hereby convene the April meeting of the myFICO Garden Club!

For those who are new to the concept of gardening, 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 TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.

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. This month we have asian potstickers, sweet sesame wings, a dish of cold Thai noodle salad, and some peel and eat shrimp. And as always, we have mini-quiches (enjoy, Relevate!). There's also a nice selection of cold beers. Once again, please feel free to bring and add anything that 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, Benedryl, 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!

Our club features a Friday night social. This will be hosted by myjourney, who has done such a wonderful job with managing the buffet and bar. He will present a mouthwatering dinner menu (with graphics!) and announce a discussion topic. Everyone is welcome to hang out and either discuss the topic or anything else that comes to mind. Feel free to let kick up your heels for the evening! The goal of the Friday night social is to enjoy getting to know each other and share in some fun. I'd also like to give thanks to Lexie09 for providing hospitality and help to members both old and new. You'll always find comraderie available here as you work towards your gardening goals.

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. We even have and Emergency Response Team (ERT) available to step in and help keep you on track!

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 on another thread. While we are happy with members’ success stories, we really do want to keep this thread’s focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate soft CLIs on this thread, though, as they do not involve inqs 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 backdated Amex accounts, 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.

You will be able to add the following to your siggy if you have abided 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" border="0" width="50" height="67" align="right">

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

SIlver:
<img src="http://i.imgur.com/Gfc4B.png" border="0" width="40" height="40" align="right">

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

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

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

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

Emerald:

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

Diamond:
<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="" 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!

Re: Garden Club Meeting - April 2014

sailor_mercury — Tue, 01 Apr 2014 02:53:49 GMT

Tin is EARLY!

The Menu this month is AWESOME... Well they are all fantastic... But this one perfect!

Re: Garden Club Meeting - April 2014

Crisis — Tue, 01 Apr 2014 02:53:19 GMT

@sailor_mercury wrote:
Tin is EARLY!

Yes, and we were in the middle of other conversations!

Re: Garden Club Meeting - April 2014

myjourney — Tue, 01 Apr 2014 02:53:23 GMT

I'm in and garden strong for April

Re: Garden Club Meeting - April 2014

WillTeasle — Tue, 01 Apr 2014 02:53:31 GMT

That was an abrupt lock.

But woohoo page 1?

Re: Garden Club Meeting - April 2014

azguy13 — Tue, 01 Apr 2014 02:53:59 GMT

@myjourney wrote:
I'm in and garden strong for April

I was wondering why I couldnt reply in the March thread, lol

Re: Garden Club Meeting - April 2014

myjourney — Tue, 01 Apr 2014 02:54:02 GMT

Hi Tin we have missed you

Re: Garden Club Meeting - April 2014

Kenny — Tue, 01 Apr 2014 02:54:09 GMT

I'm in -- does this mean that I can go ahead and change my spade if I'm to change it on April 1st? Say yes pwetttyyyy pweeaassee.

Re: Garden Club Meeting - April 2014

grinlikechelsea — Tue, 01 Apr 2014 02:54:32 GMT

Well, the other thread was locked before I could respond.

Thank you all for the well wishes; I really appreciate it. Take care everyone.

Re: Garden Club Meeting - April 2014

Kenny — Tue, 01 Apr 2014 02:54:34 GMT

@azguy13 wrote:
@myjourney wrote:
I'm in and garden strong for April
I was wondering why I couldnt reply in the March thread, lol

Literally. the same thought. lol.

Re: Garden Club Meeting - April 2014

myjourney — Tue, 01 Apr 2014 02:55:08 GMT

@azguy13 wrote:
@myjourney wrote:
I'm in and garden strong for April
I was wondering why I couldnt reply in the March thread, lol

Usually it would have been changed yesterday......day before a new month

Re: Garden Club Meeting - April 2014

Irisa — Tue, 01 Apr 2014 02:55:20 GMT

Yay! It is April!!

Re: Garden Club Meeting - April 2014

sailor_mercury — Tue, 01 Apr 2014 02:55:25 GMT

@Crisis wrote:
@sailor_mercury wrote:
Tin is EARLY!
Yes, and we were in the middle of other conversations!

LOL!!!!

Well let's start this one off on a GOOD note

(even if he deserves a flip-flop upside the head )

Re: Garden Club Meeting - April 2014

myjourney — Tue, 01 Apr 2014 02:55:50 GMT

@KennyS2006 wrote:
I'm in -- does this mean that I can go ahead and change my spade if I'm to change it on April 1st? Say yes pwetttyyyy pweeaassee.

Nice try ....Lol

Give credit where credit is do....Not

Re: Garden Club Meeting - April 2014

Irisa — Tue, 01 Apr 2014 02:56:16 GMT

@myjourney wrote:
I'm in and garden strong for April

Hi MJ

Re: Garden Club Meeting - April 2014

Kenny — Tue, 01 Apr 2014 02:56:26 GMT

@grinlikechelsea wrote:
Well, the other thread was locked before I could respond.

Thank you all for the well wishes; I really appreciate it. Take care everyone.

grinlikechelsea -- We'll miss you.

Re: Garden Club Meeting - April 2014

Kenny — Tue, 01 Apr 2014 02:57:25 GMT

@myjourney wrote:
@KennyS2006 wrote:
I'm in -- does this mean that I can go ahead and change my spade if I'm to change it on April 1st? Say yes pwetttyyyy pweeaassee.
Nice try ....Lol
Give credit where credit is do....Not

It's ok. I just have 1 hour and 3 minutes.....

Re: Garden Club Meeting - April 2014

bossladymom — Tue, 01 Apr 2014 02:57:38 GMT

Hey GC!

I'm here bright and early in April lol

Re: Garden Club Meeting - April 2014

-Wade- — Tue, 01 Apr 2014 02:58:06 GMT

:Happy April everyone and i am garden strong ................I though i has messed up my account , i was trying to post and all i could get was raed only

Re: Garden Club Meeting - April 2014

myjourney — Tue, 01 Apr 2014 02:58:11 GMT

@Irisa wrote:
@myjourney wrote:
I'm in and garden strong for April
Hi MJ

Hi Angel how are you?