So my new year's resolution is garden, garden, garden. No apping for anything that will or even might result in HP, including CLI's.
Its going to be hard, but my arsenal of cards is perfect IMO (actually, I could close a few but they are all no AF, except Amex Green, so why bother). I have no need to apply for anything.
I am graduating from graduate school in May with ~$65,000 student loan debt so I need to make sure that I am in tip-top financial shape so I can get these loans consolidated and payed down soon because I'd like to buy a house within 2-3 years.
Gardeners unite!
Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
