@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls
It's something you are very familiar with ArmyVietVet.
It's called DISCIPLINE 
Something i never knew i even had with credit until this forum!
@CreditMagic7 wrote:
@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close callsIt's something you are very familiar with ArmyVietVet.
It's called DISCIPLINE
Something i never knew i even had with credit until this forum!
Better check approvals.
Remember that prophecy of mine about 10 Venture Approval threads? 
It's not far from it, my friend.
@Anonymous wrote:
@CreditMagic7 wrote:
@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close callsIt's something you are very familiar with ArmyVietVet.
It's called DISCIPLINE
Something i never knew i even had with credit until this forum!
Better check approvals.
Remember that prophecy of mine about 10 Venture Approval threads?
It's not far from it, my friend.
OK
I will ONLY if YOU WILL!!!
The DW is in, now your turn
@Anonymous wrote:Question for the experts here:
Is a no HP app still considered a Garden reset?
nope
@wmweeza wrote:
@Anonymous wrote:Question for the experts here:
Is a no HP app still considered a Garden reset?
nope
Didn't think so. 
You're safe, CM7!
"
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"
From the GC sticky post
HOWEVER it also says:
"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."
@Anonymous wrote:
@wmweeza wrote:
@Anonymous wrote:Question for the experts here:
Is a no HP app still considered a Garden reset?
nope
Didn't think so.
You're safe, CM7!
Only for now.
I need to get this weekend over with before it even starts.
Next week i have 3 bankcards going 1 year and that's a certified guarantee of a nice FICO score bump and some negotiating power when needed