How to properly Garden

[alexgold9393]

I just looked over all my accounts and wanted to figure out when I will be under 5/24 and holy crap ... look like a couple of years. All 3 locked as of today. 

So here's the breakdown:

15/24

13/12

11/6

7/3

I know that I need to garden and I will try, give me some suggestions on how you successfully garden

[calyx]

How to successfully garden:

Find another hobby beyond credit

Seriously, though -  I made a bunch of spreadsheets and I'm focusing on other aspects of my financial life, like paying down debt and seeing if I can catch any debt paydown or aging threshholds in my own credit profile.    I also made a list of credit cards that will ultimately optimize my cash back, and I only need 2 more cards to finish off the main thrust (then all that's left is store cards, which I don't really want because I'd like to increase my CBIS).

Also quilting and video games... that helps.

And for the ultimate:  Decide the very next card you absolutely need is with some ridiculously strict lender (or that the lender uses a very fussy credit scoring algorithm and requires gardening).

I see that you have secured cards in your .sig - maybe just wait until they graduate and try to curate your line-up while waiting?

[Jnbmom]

Stay the heck out of the approvals thread here. Less temptation 😊

[Anonymous]

Sorry OP, I got nothin’ for ya. I suck at gardening...

[Anonymous]

Yes I second that lol I always tend to get tempted every time I go to the approvals section! Avoid it like the plague!

[TheAuthorizedUser]

Business cards like the AMEX bbp maybe..

[hpotterfan77]

Ok, I hate to sound dense but what in the heck do all those numbers mean? lol

[satio]

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@hpotterfan77 wrote:

Ok, I hate to sound dense but what in the heck do all those numbers mean? lol

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 I'm with this guy lol

I assume they represent number of inquiries/number of months...

Always willing to be educated. Sometimes you can teach an old dog new tricks.

[Anonymous]

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@satio wrote:

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@hpotterfan77 wrote:

Ok, I hate to sound dense but what in the heck do all those numbers mean? lol

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 I'm with this guy lol

I assume they represent number of inquiries/number of months...

Always willing to be educated. Sometimes you can teach an old dog new tricks.

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No, they represent the number of revolving credit accounts/number of previous months.

So 7/3 would mean seven credit cards opened in the last 3 months.

[hpotterfan77]

Yeah, I figured it out after reading a different thread...and FYI to @satio, I'm a girl...