This is getting too hard :(

[Revelate]

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@toppers555 wrote:

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@FinStar wrote:

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@kkapdolee wrote:

Gardening is overrated IMO.

I opened my first credit card ever in June 2012 (Capital One $300 CL) and now I'm sitting at 94k of availble credit.

I opened Discover it ($750) two months afterwards Cap1 and then Chase Freedom ($1500) within a week.

Discover is now 6k, Freedom is 5k Visa Siggy, Chase Sapphire Preferred 10k, Amex Blue Sky 15k and Citi Dividend 20k.

I have several cards with 10k+ CL and my FICO scores are rocking.

I'm in the garden now only because  there aren't any more cards out there that I want right now.

You don't need to wait that long to open another credit card.

Go on an app spree and let all your accounts age together.

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So, you're essentially saying that the OP will be approved for everything that you've cited with such great probability of CLs >$1K and with excellent credit terms?  Or, are you saying that since you are aware of how underwriting works for all those lenders that you have absolute confidence that those 4 cards the OP wants will be guaranteed approvals?  Help us understand how this will work.  Oh, I forgot, both your profiles, income, scores are (or were) exactly identical so this should work right?

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+1   

But,  I agree in some cases Gardening can be overhyped to a degree, but in the case of OP I believe he is better off there. 

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I would second (or third?) that opinion.

While I'm a pretty aggressive proponent for just get out and apply, after the initial 2-3 tradelines are established I highly recommend just waiting a year when pretty much every lender in their entry level (and sometimes better) products become available.  Freedom, Discover, Amex revolver, etc ad naseum.

Can't do everything immediately, and getting a bunch of junk tradelines in my opinion sets people back more than whatever thickness of file they gain.  It doesn't always work that way as I'm a fan of hitting an Amex charge card after six months if it gets you a year earlier backdate target, everything else just wait.  There's not that many keeper tradelines at 6 months history, whereas there are several at the one year mark at least with current lender underwriting standards as we know them anecdotally.

@Anonymous apps too early are either going to get denials on real cards, or approvals on mostly junk ones.  @OP: Wait for a bit, your credit report and financial health will thank you later.

[lg8302ch]

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@FinStar wrote:

Not to be blunt, but it is sounding pretty desperate.  If it helps, give the FICO CC forums (or any others you frequent) a break.

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+1

and a little self control when it comes to credit does not hurt. 

[lg8302ch]

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@killer_queen229 wrote:

I'm just tired of baby limits. I want higher limits than $500. I want at least close to $1,000 or around that.

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But that is exactly what you will get if you apply too soon .... no patience and apping too soon will result in toy limits or denials...but if you don't believe it go ahead and you will see for yourself. 

[efranklin23]

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@lg8302ch wrote:

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@killer_queen229 wrote:

I'm just tired of baby limits. I want higher limits than $500. I want at least close to $1,000 or around that.

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But that is exactly what you will get if you apply too soon .... no patience and apping too soon will result in toy limits or denials...but if you don't believe it go ahead and you will see for yourself. 

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+1 As said before, time is your best friend in this case killerqueen. It's very rare for a person with less than a year of credit on two lines get approved for cards over 5000. 

[killer_queen229]

That's why im waiting till March first cause none of the accounts will be under 6 months old. They'll all be cozy !! Lol

[killer_queen229]

Oh I didn't want increases of $5,000+ right away

[SpiceIslander]

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@killer_queen229 wrote:

I know March 1st isn't far away I'm just tired of waiting. All I've been doing is waiting since August.. 

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I understand how you feel but impatience can be costly. When you apply prematurely, if your report & score are not good (or better) you won't get the best terms. More importantly, many companies "mark" your account based on your profile at application. No matter how how much your credit improves, it's very difficult to get them to acknowledge your new credit profile. They tend to keep your high APR and low CL and when you contact them you'll hear "your account does not qualify."

March is just around the corner. You can do it!

[kkapdolee]

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@FinStar wrote:

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@kkapdolee wrote:

Gardening is overrated IMO.

I opened my first credit card ever in June 2012 (Capital One $300 CL) and now I'm sitting at 94k of availble credit.

I opened Discover it ($750) two months afterwards Cap1 and then Chase Freedom ($1500) within a week.

Discover is now 6k, Freedom is 5k Visa Siggy, Chase Sapphire Preferred 10k, Amex Blue Sky 15k and Citi Dividend 20k.

I have several cards with 10k+ CL and my FICO scores are rocking.

I'm in the garden now only because  there aren't any more cards out there that I want right now.

You don't need to wait that long to open another credit card.

Go on an app spree and let all your accounts age together.

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So, you're essentially saying that the OP will be approved for everything that you've cited with such great probability of CLs >$1K and with excellent credit terms?  Or, are you saying that since you are aware of how underwriting works for all those lenders that you have absolute confidence that those 4 cards the OP wants will be guaranteed approvals?  Help us understand how this will work.  Oh, I forgot, both your profiles, income, scores are (or were) exactly identical so this should work right?

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haha

So when you tell people to garden, are you essentially saying they WILL NOT be approved for the cards they want with such great probability of CLs >$1k and with excellent credit terms? Or, are you saying that since you are aware of how underwriting works for all those lenders that you have absolute confidence that those 4 cards the OP wants will be guaranteed DENIALS? Help us understand how this WILL NOT work. Oh, I forgot, both your profiles (yours and anyone who you've ever suggested to garden instead of apply), income, scores are (or were) exactly identical so this SHOULD NOT work right?

What I posted is my opnion based on my experience. I have the same right to suggest apping just as you have to suggest gardening.

There is nothing wrong with going for what you want when you want it. You never know whether you'll make it unless you try. All I know is if I had listened to someone like you a year ago, I would not have the cards that I do today.

Sure, gardening is an easy and safe answer to give for any credit issue. It will most likely increase one's chances but that doesn't mean one won't make it now. If you get denied now, what's the big deal anyways? It's just one inq that's going to drop off (or stop counting) in a year. 

I'm just advocating the apping side in this thread of overwhelming garden garden garden giving the OP my experience. Of course, OP is free to decide on his own. He doesn't have to listen to me just like he doesn't have to listen to you.

[kkapdolee]

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@09Lexie wrote:

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@kkapdolee wrote:

Gardening is overrated IMO.

I opened my first credit card ever in June 2012 (Capital One $300 CL) and now I'm sitting at 94k of availble credit.

I opened Discover it ($750) two months afterwards Cap1 and then Chase Freedom ($1500) within a week.

Discover is now 6k, Freedom is 5k Visa Siggy, Chase Sapphire Preferred 10k, Amex Blue Sky 15k and Citi Dividend 20k.

I have several cards with 10k+ CL and my FICO scores are rocking.

I'm in the garden now only because  there aren't any more cards out there that I want right now.

You don't need to wait that long to open another credit card.

Go on an app spree and let all your accounts age together.

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What works for one may not work for another.  Based on OPs many of posts regarding apping, high inq's, low CL's (highest $600) are a recipe for letting them age a few months.  OP has apped for Discover  and was denied.  Advising to app now with most of OPs TLs less than 6 mos old  - may get an approval but OP clearly does not want another toy limit CL.

Gardening has never harmed a profile; whereas rushing to add cc's just because you can hit submit can ESP when you are just starting out.  

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I have to admit, I have not studied OP's profile as carefully as you have and I was just giving him my experience as an example of what could work (but may not for everyone). In this case however, your advice is definitely better than mine. (Although I was denied for Freedom no less than 3 times before getting Cap1 and then two months later, was instantly approved for Freedom.. but YMMV) 

Thanks for always paying attention to everyone's situations and always helping people.

[Anonymous]

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@kkapdolee wrote:

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@FinStar wrote:

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@kkapdolee wrote:

Gardening is overrated IMO.

I opened my first credit card ever in June 2012 (Capital One $300 CL) and now I'm sitting at 94k of availble credit.

I opened Discover it ($750) two months afterwards Cap1 and then Chase Freedom ($1500) within a week.

Discover is now 6k, Freedom is 5k Visa Siggy, Chase Sapphire Preferred 10k, Amex Blue Sky 15k and Citi Dividend 20k.

I have several cards with 10k+ CL and my FICO scores are rocking.

I'm in the garden now only because  there aren't any more cards out there that I want right now.

You don't need to wait that long to open another credit card.

Go on an app spree and let all your accounts age together.

---

So, you're essentially saying that the OP will be approved for everything that you've cited with such great probability of CLs >$1K and with excellent credit terms?  Or, are you saying that since you are aware of how underwriting works for all those lenders that you have absolute confidence that those 4 cards the OP wants will be guaranteed approvals?  Help us understand how this will work.  Oh, I forgot, both your profiles, income, scores are (or were) exactly identical so this should work right?

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haha

So when you tell people to garden, are you essentially saying they WILL NOT be approved for the cards they want with such great probability of CLs >$1k and with excellent credit terms? Or, are you saying that since you are aware of how underwriting works for all those lenders that you have absolute confidence that those 4 cards the OP wants will be guaranteed DENIALS? Help us understand how this WILL NOT work. Oh, I forgot, both your profiles (yours and anyone who you've ever suggested to garden instead of apply), income, scores are (or were) exactly identical so this SHOULD NOT work right?

What I posted is my opnion based on my experience. I have the same right to suggest apping just as you have to suggest gardening.

There is nothing wrong with going for what you want when you want it. You never know whether you'll make it unless you try. All I know is if I had listened to someone like you a year ago, I would not have the cards that I do today.

Sure, gardening is an easy and safe answer to give for any credit issue. It will most likely increase one's chances but that doesn't mean one won't make it now. If you get denied now, what's the big deal anyways? It's just one inq that's going to drop off (or stop counting) in a year. 

I'm just advocating the apping side in this thread of overwhelming garden garden garden giving the OP my experience. Of course, OP is free to decide on his own. He doesn't have to listen to me just like he doesn't have to listen to you.

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I will speak only for myself this is one of the reasons my FICO is so low even with a perfect history. I did just that I apped for everything I wanted when I wanted it and I am paying the price for it.