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Thoughts on Wallet

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Jayb5635
Established Contributor

Thoughts on Wallet

Just wondered what everyone thinks, as I think I'm done constructing my wallet. 8 cards, all in my sig below. I guess I'm now officially in the garden. What's it like in there ??? Lol








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 1 of 12
11 REPLIES 11
jeffery581
Established Contributor

Re: Thoughts on Wallet

Boring.

Makes you want to go get more plants. 

HA

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Message 2 of 12
Anonymous
Not applicable

Re: Thoughts on Wallet

Ignore jeffery581! Lol. It's great in the garden. The virtual parties are great too!
Message 3 of 12
Jayb5635
Established Contributor

Re: Thoughts on Wallet

Lol








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 4 of 12
LS2982
Mega Contributor

Re: Thoughts on Wallet


@Anonymous wrote:
Ignore jeffery581! Lol. It's great in the garden. The virtual parties are great too!


Yea when i'm not e-hungover Smiley Very Happy




EQ FICO 548 3/3/16
Message 5 of 12
E150GT
Frequent Contributor

Re: Thoughts on Wallet

8 cards! i want to cull my binder clip down to 2!!


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 6 of 12
thom02099
Valued Contributor

Re: Thoughts on Wallet


@Jayb5635 wrote:
Just wondered what everyone thinks, as I think I'm done constructing my wallet. 8 cards, all in my sig below. I guess I'm now officially in the garden. What's it like in there ??? Lol

I think you should join us in the Garden, sit back, relax...have a pina colada or adult beverage of choice, watch your plot in the Garden mature and grow!  That's a pretty collection you've got there!  Smiley Very Happy

Message 7 of 12
Jayb5635
Established Contributor

Re: Thoughts on Wallet

Haha thanks so much. Feels weird to not really have another goal in mind as far as a card. Maybe I'll pc the zync to the platinum one day, I dunno. I also checked my 3 plus scores, and they're all north of 700 which is nice to see. Gardening...new territory lol








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 8 of 12
Anonymous
Not applicable

Re: Thoughts on Wallet

You can try getting some soft pull CLIs and APR reductions. There is still work to be done in the garden!

Message 9 of 12
Anonymous
Not applicable

Re: Thoughts on Wallet


@Anonymous wrote:
Ignore jeffery581! Lol. It's great in the garden. The virtual parties are great too!

+1. The GC thread has grown to be extremely popular. Smiley Happy

 

As for what credit gardening is like IRL, it's a different sort of satisfaction from apping. When you app for a new card, it has a certain thrill of the hunt to it. Will I get approved? If so, what CL will they give me? What APR? You press the submit button and then sit and wait for about 60 seconds, the whole time your adreneline pumping, uncertain of the outcome. Then comes the rush from the approval or the let down from the denial.

 

The satisfaction from gardening doesn't come in 60 second burts of adreneline. It comes from watching your scores go up as your accounts begin to age and the new credit ding fades. Instead of approvals, you begin to look forward to auto or soft pull CLIs; if you have GE cards in your wallet, then you get to look forward to these on a regular basis. And if you pull your reports on a regular basis -- whether it's monthly, quarterly or annually -- you get to watch your AAoA grow, and feel a sense of accomplishment as your credit becomes "established." So instead of the thrill of the hunt, it's the joy of cultivating.

 

So gardening isn't as boring as some make it out to be; it's simply a different mindset. And in the Garden Club thread, we do celebrate the above achievements with every bit as much enthusiasm and support as is found on all of the congratulatory approval threads that pop up on these forums. Plus, we have awesome snacks and drinks! Smiley Very Happy

Message 10 of 12
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