@OneDay_750 wrote:Hello, fellow Garderners!
Checking in for the month of March. I am 13 days away from earning my Silver Spade. Wohoo! I have also raised my EQ FICO score 70 points since Nov 30, 2013.
Goals are to stay in the garden until at least Jun to bring my UTL down and apply for a NFCU CC (hopefully unsecured) and their NAVCHECK.
Good luck to everyone. Stay strong and disciplined.
Rob.
Welcome to the garden Rob! I know you have heard how generous NFCU can be with their initial CL. Best wishes for a happy and healthy relationship between you and NFCU.
012019 Fico8/Mortgage Score: 
Monthly accountability post:
Things are going well here. I'll pick up my silver spade on 3/7/14, and I'm sitting tight just working on paying down debt.
Here's a short recap of my most recent post in last month's gardening thread, as it was a good example of gardening success.
Within the past month I received SP CLIs on the following cards:
Simplicity: $7000 --> $9800
Discover It: $15000 --> $17,500
BoA Travel Rewards: $12,000 --> $20, 000
Hope everyone is doing well... 
@twist7d7 wrote:how long do should i garden for? i have 4 hard pulls on my account and low credit card limits. i would like to pick up a card or two more to raise my CL.
With the prime cards you already have listed in your signature, and with your low AAoA, if it were me I would just sit tight for another 6 months and get your AAoA up to about 1 year. That will allow some of your recent inquiries to age as well, and will demonstrate that you are responsible with what you already have.
Spend that time researching which cards will actually meet your needs, rather than applying indiscriminately for just anything. You will then be in a great position to apply for/acquire the cards you really want, with good starting CLs.
Good luck.
Hi Everyone--
Checking in for March, and waiting to see how much snow we get.
Hope everyone has a great weekend!
@TNTransplant wrote:
@twist7d7 wrote:how long do should i garden for? i have 4 hard pulls on my account and low credit card limits. i would like to pick up a card or two more to raise my CL.
With the prime cards you already have listed in your signature, and with your low AAoA, if it were me I would just sit tight for another 6 months and get your AAoA up to about 1 year. That will allow some of your recent inquiries to age as well, and will demonstrate that you are responsible with what you already have.
Spend that time researching which cards will actually meet your needs, rather than applying indiscriminately for just anything. You will then be in a great position to apply for/acquire the cards you really want, with good starting CLs.
Good luck.
Thanks im looking to max out my cash back on all purchases so haveing a decient portfolio of cards will help. (i think)
@notfancy
Hey, girlfriend--
How's it going? I'm not here for long. Bouncing to watch "In the Heat of the Night."