Garden Club Meeting - February 2013

[MountainHiker]

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@Swapmeet wrote:

Right on Mountain Hiker, I have a similar plan: garden until late May-early June and app for a Discover. For now, it is garden time.

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Strategy is important when building credit. Spring is round the corner.

[MountainHiker]

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@jg27 wrote:

I'm new to the forum and went on a 6 for 8 app spree the last week. I started at 760 last week and after 8 inquries in 3 days, I think I'm done for a while. Time to do some gardening.

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Welcome Jg27 to the garden.

[dddewdrop]

    Ugh. Have a couple hundred extra bucks on payday. I'm thinking of coming out of the garden to applied for a secured BofA card. The point would be to start aging another tradeline. I am a longtime BofA customer. Any thoughts on this strategy. I am sort of indifferent. I may just stay gardening. Just paid my other cards in full. Feels good.... On sexcond thought I will probably wait til I have enough to open a secure card with a more meaningful limit... like 2500 or something. That would make more of a change to my credit picture and set me up for prime card land in like a year....

[Swapmeet]

I would garden those two accounts. That Walmart card will grow rapidly, if you make it. Once you get it up to a few grand, then you can app for an unsecured card -- perhaps even a prime-ish card.

[dddewdrop]

K. Back to the garden... coming up on a month....