I Miss The Garden Club

RicHowe · ‎03-02-2025

Who's with me!

LakeLife · ‎03-06-2025

I just bought and financed a new truck, so I'd have that **bleep** seedling again. The seedling of shame!

Wells Fargo FICO® Score 9 based on Experian® data

Discover FICO® Score 8 based on TransUnion® data

Citi FICO® Bankcard Score 8 based on Equifax® data

Own It! | 1985 Camaro Berlinetta Starship!

Navy Federal Credit Union 72 mos @ 4.79% bought in 2025 | 2024 RAM 3500 Cummins HO

Navy Federal Credit Union 72 mos @ 2.29% bought in 2022 | 2022 Hyundai Tucson Hybrid

Chase Marriott Bonvoy Boundless | $23,400

Amazon Prime Rewards Visa Signature Card | $29,500

BofA Royal Caribbean Visa Signature® Card | $28,500

Lowes Advantage AU on Wife's | $35,000 - My card | $25,000

PennyMac 9/2020 Refinance VA Mortgage 30 years @ 2.5%

HELOC on Main Home 7/2024 Discover Home Loans 15 years @ 8.61%

Vacation Lake Home and 2025 Retirement/Permanent Home bought in 11/2021 NFCU Mortgage 30 years @ 4.375%

Proud Air Force Veteran and last of the 'Buck' Sergeants

tcbofade · ‎03-07-2025

I miss it terribly.

There were a lot of good people there with a lot of knowledge that were happy to share.

MyFico didn't make any money off of it tho...

Fico 8 4/02/25: EX 804, EQ 823, TU 819.
Fico 9: EX 765 09/13/24, EQ 776 10/04/24, TU 755 08/15/24.

Zero percent financing is where the devil lives...

IsFiveCardsEnough · ‎03-07-2025

Raises hand. I'm at emerald spade now, and (barring any apps) I will be hitting diamond by end of July. I miss the bling.

I'm sure the spades are still out there and I could add one, but it isn't worth it without the garden club.

Formerly CreditMarathoner. Cards: BoA CCR MC $8,000 / Chase Amazon Prime VS $3,000 / Chase Freedom Unlimited VS $5,000 / Chase Sapphire Preferred VS $12,000 / Elan Sharonview FCU Max Cash Preferred VS $23,500 / TCL $51,500

Minimalist · ‎03-07-2025

Wasn't around for it, but if it's anything like they say it was, they would have anointed me King!

Minimalist's Rules:
1. Finances Before FICO
2. No AZEO
3. No Churning
4. No more than 1-2 cards
5. $100k in the bank is worth more than $100k CL
6.Cash is still king

"Wealth consists not in having great possessions, but having few wants." - Epictetus

"The rich rule over the poor, and the debtor is slave to the lender." - Proverbs 22:7

macinjosh · ‎03-26-2025

I miss it too.

It's sure been a long time since I've been on here.

Samsung Financing TD Bank $3,200

coldfusion · ‎03-26-2025

@macinjosh wrote:
I miss it too.

It's sure been a long time since I've been on here.

Wow...LTNS! Hope life has been treating you well.

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

CreditAggie · ‎03-29-2025

I miss it too! I still symbolically update my spade.

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

TRC_WA · ‎03-29-2025

Same here...

I'm about a week away from a diamond I think.

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

SilentTraveler · ‎03-29-2025

For those of us new, what was the garden club?

I understand the concept, but other than the icons, what happened?

Or is it forever to remain a secret society...