Gardening Questions ?

[Anonymous]

Hello Everyone, 

I am a long time lurker. 1st time posting. I had a few questions ( Hopefully I am posting this in the correct thread,  if not if someone could move it for me )

So as I current sit , I am sitting at 9/24 

I guess I got a little to carried away. And figure its way past time to plant myself in the garden.

Questions:

1. Should I freeze my scores while.in the garden ?

2. So I have. Macys & lowes store card that I have had for years. I know from reading the forums for. While that the CLI are SP. Is it ok to keep getting CLI on macys ( monthly  31 days) ( current limit 15k want to hit the 25k max , I use the account regularly)

Lowes ( every 3 - 4 months ) current limit 12k , want to hit the 35k limit 

Or should I stop with the CLI while I am in the garden? I have read mixed opinions on it

[Brian_Earl_Spilner]

Keep applying for increases as long as they're soft pulls.

[Jnbmom]

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@Anonymous wrote:

Hello Everyone, 

I am a long time lurker. 1st time posting. I had a few questions ( Hopefully I am posting this in the correct thread,  if not if someone could move it for me )

So as I current sit , I am sitting at 9/24 

I guess I got a little to carried away. And figure its way past time to plant myself in the garden.

Questions:

1. Should I freeze my scores while.in the garden ?

2. So I have. Macys & lowes store card that I have had for years. I know from reading the forums for. While that the CLI are SP. Is it ok to keep getting CLI on macys ( monthly  31 days) ( current linit 22k want to hit the 25k max , I use the account regularly)

Lowes ( every 3 - 4 months ) current limit 18k , want to hit the 35k limit 

Or should I stop with the CLI while I am in the garden? I have read mixed opinions on it

---

If it is a "soft pull" they you are good for garden status. IME Macy's and Lowe's have always been SPs. 

My reports are frozen so it's less tempting and I have to make a conscious decision to unfreeze. However synchrony won't grant CLI with your report frozen .

[Anonymous]

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@Jnbmom wrote:

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@Anonymous wrote:

Hello Everyone, 

I am a long time lurker. 1st time posting. I had a few questions ( Hopefully I am posting this in the correct thread,  if not if someone could move it for me )

So as I current sit , I am sitting at 9/24 

I guess I got a little to carried away. And figure its way past time to plant myself in the garden.

Questions:

1. Should I freeze my scores while.in the garden ?

2. So I have. Macys & lowes store card that I have had for years. I know from reading the forums for. While that the CLI are SP. Is it ok to keep getting CLI on macys ( monthly  31 days) ( current linit 22k want to hit the 25k max , I use the account regularly)

Lowes ( every 3 - 4 months ) current limit 18k , want to hit the 35k limit 

Or should I stop with the CLI while I am in the garden? I have read mixed opinions on it

---

If it is a "soft pull" they you are good for garden status. IME Macy's and Lowe's have always been SPs. 

My reports are frozen so it's less tempting and I have to make a conscious decision to unfreeze. However synchrony won't grant CLI with your report frozen .

---

@Jnbmom Ive had Synch grant clis with report frozen, but they wanted me to unfreeze to go higher than 15K. Awesome thread actually, got 2-3 successive clis! Have to find it. Ignore what I said about having to unfreeze it in post one, you'll see the correction in 35 and on.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/UPDATED-3-7-19-corrected-3-9-19-Care-credit-love-button-CLI/m-p/5517348#M584962

@Anonymous Yeah, SP CLI away! Just know Macy's CLs will count towards overall CL from Citibank. I would freeze, I keep mine frozen, personally. 

[Jnbmom]

@Anonymous 

Well they have always made me unfreeze my report😞

[Anonymous]

Read the thread, I thought I had to as well, but it was only if I want to go beyond a certain threshold. I just edited and added the thread.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/UPDATED-3-7-19-corrected-3-9-19-Care-credit-l...