I have pretty much everything I need for a while with my sights set on the Barclay NFL card in future. How long do you guys think I should garden for before I apply for it? I was thinking 4-6 months? I have 9-10 inquiries right now on my report. Probably 3-5 in past 3 months.
Gardening time depends on you. You have some nice cards in your profile, I would wait atleast six months or so and go after the NFL card.
Good Luck, there is also a gardening thread as well you can follow and post on.