thank you all...

[afbar1114]

thank you everyone for helping me understand the diffrent types of cards, banks,lenders,etc... i never would have known amex chase and citi are prime and cap1 is subprime as well as FP. if it werent for these forums i would still have most of my subprime cards and maybe never even thought of an amex....these forums have both helped and hurt but i learned alot from you all. i now think i have a good set of cards to garden with for the next six-12 months...as such tomorrow will be my last day here for at least the next few  months.. i am removing any temptations by seeing i got this with this and that with this... i am going to work on bring my UTL down more from the current 22% to the "prime" 9%. and work on closing some subprime cards.. the only two i have left cap'1s as well as some other retail cards...i know i shouldnt close cards that arent costing me anything but it will help me achive my goals because i dont have to worry about using the card to keep it current.. when i come back in six months i hope to have this:

Slate

BoA

Zync

BBY

Jared 

Kohls

Prime card yet to be named

i feel like i cant achive this unless i remove my self from this site for a while....so thank you again for your help

[haulingthescoreup]

Good for you! I'm sure the forums will still be here for you when it's time to get back in the game.

Good luck to you with your credit! Sounds like you know what you need to know to be a winner.

Take care, and see you again one day.

[Anonymous]

See you soon, appbar 

[FicoTron]

When you wake up with the sweats, just remember, it isn't the flu. It is because you are fiending for just one more hit of the forums. You'll be back.

[Anonymous]

this wonderful forum can help you more than hurt you. the only thing you need to control is the urge to app! good luck with your journey

[LS2982]

---

@afbar1114 wrote:

thank you everyone for helping me understand the diffrent types of cards, banks,lenders,etc... i never would have known amex chase and citi are prime and cap1 is subprime as well as FP. if it werent for these forums i would still have most of my subprime cards and maybe never even thought of an amex....these forums have both helped and hurt but i learned alot from you all. i now think i have a good set of cards to garden with for the next six-12 months...as such tomorrow will be my last day here for at least the next few  months.. i am removing any temptations by seeing i got this with this and that with this... i am going to work on bring my UTL down more from the current 22% to the "prime" 9%. and work on closing some subprime cards.. the only two i have left cap'1s as well as some other retail cards...i know i shouldnt close cards that arent costing me anything but it will help me achive my goals because i dont have to worry about using the card to keep it current.. when i come back in six months i hope to have this:

Slate

BoA

Zync

BBY

Jared 

Kohls

Prime card yet to be named

i feel like i cant achive this unless i remove my self from this site for a while....so thank you again for your help

---

Appbar Jr. will be back!!! (In the next week)

[Anonymous]

Good move.

All the best!

[crunching_numbers]

Appbar, remember that the forums are not the only sourse of temptation to app.  You will go to a store and they will invite you to app for their store card. You will see an add for the latest greastest card on TV.  You will see someone paying in line in front of you with a really cool CC. You will get CC "pre-approvals" in the mail.

If you are sincere about gardening, good luck and stay strong. We will see you back here soon, when you are ready or you need support to stay in the garden.

[nuggets321]

Nice move ! You know what you need to do to achieve your goals.... your input is always valued and we shall see you when you return ......

[LS2982]

Why not chill in the garden thread afbar?? Leaving the forum isnt going to help you if you have an app urge. Like other posters have said the tempation is going to be all around you no matter what. YOU have to WANT to do good for YOU. Youll be a better man in the future knowing you can conquer your app urge with all elements around you there.