Tips for first time gardener?

[Anonymous]

So I set up somewhat thick credit profile w/ cc's so I can have a solid AAOA if and when I choose to add/replace CC's.

What gardening tips can you offer for a first timer?

[Amnesia87]

Don't apply for any more credit... at all... O_o

Edit: Yes... don't app even if you really... REALLY... want to, and even if the offer is really good.

[Walt_K]

Stop visiting this site for a while.  Too much temptation.  I need to stay away for a while just because of the timesink this has become.

[Anonymous]

Keep it clean!!

• Pay On Time ... Don't be Late ...
• Charge ONLY you can PIF by the due date or closing date.
• If you have ONLY one card ... keep its reporting balance within 1%~5% (may be up to 7%) util.
• If you have multiple ccs ... keep the balance on the one or few of ccs with the balance between 1%~5% (may be up to 7%) util, and rest of ccs statement balance should be zero.