So, I think I burnt myself out on credit related topics. It's to the point talking or thinking about it just annoys me. I have shifted my time to foucs on more important things now. I was pretty enthusiastic about credit but that is now gone. Anybody else get like this?
I have two good cards already. If i get more credit limit increases great but I don't think I am going to put fourth any extra effort to increase the limits on them. I'll just use them for daily purchases but not put much effort into them beyond PIF in each month. I guess this will continue to build my profile passively. The only issues is large purchases down the road but i don't make those often.
As in my signature going to the garden for two years. Maybe I'll revisit it again but for now I don't really care anymore 
Hope you guys have a happy holiday!
You're burnt out because you aren't getting any traction. It happens to re/builders all the time. Once you start getting positive momentum, you'll get excited again. People get focused on the numbers and seeing other's success, but they forget that time is the biggest factor in credit. Give it 6 months to a year and you should be good to go.
You can’t cheat time. Keep up the good work and the scores will follow. I used to obsess over credit related topics, but I pretty much only browse through the smorgasbord section these days. Credit is still an important aspect of my life, but I have other more meaningful goals to attend to.
We'll miss ya; understand why you want to take a break and hopefully while you're working on other things your credit will continue to age nicely in the background. Nurture those cards let time handle the rest. Take care and enjoy the Holidays
If you simply PIF and garden for two years, then in two years, you will have excellent but thin credit. Personally, if I were you, I would add some tradelines so they age with your other stuff. You're waiting two years anyway, so in a sense, what difference does it make.
1 - I would get a Discover card. Unsecured if possible, or secured is also fine. Treat it right and it'll unsecure next year anyway. So, you will have three cards, which gives a scoring bump (I think - not sure if store cards count toward the credit bump, maybe somebody else can say for sure).
2 - I would get a loan. Car loan if you need one, or else, a "manufactured" loan from Self Lender or a similar option. May as well do the two-year version. This works the same as a car loan on credit (secured loan) but you get 90% of the money back in the end.
That way, in two years, you will have no inquiries, three cards, and a loan, as opposed to no inquiries and two cards. It wouldn't hurt to add to that, either, depending what your spend is like and what you're interested in.
JMO, good luck!
@Anonymous wrote:I understand getting burnt out. I'm there myself.
Plus you just don't feel good right now either....get well! (If we could just app everyday....ahhhhhhhh) no hate!