October 2014 Garden Cult thread - Chose Which Bureau You Wanna Garden!

For just about anything you want to get off your chest about credit cards.
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popamode72
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October 2014 Garden Cult thread - Chose Which Bureau You Wanna Garden!

Postby popamode72 » Wed Oct 01, 2014 9:41 am

Self-explanatory and because someone had to make a thread for this. You can now select which bureau you want to garden and drapp all you want on the others! It's the latest spin on not ever applying for credit cards and still being able to satisfy your needs. After all, if you do the shopping cart trick to get 50 Comenity cards or utilize that 8 hour method, that doesn't count right? I call it the FixMyCredit1992/Bears and Turtles method of never giving up. You're certainly not a terrorist to credit if you do that. Also, free Kool-Aid as always.

On a serious note, since I know Barclays tends to SP credit reports a lot and I've heard a lot of horror stories about them closing cards like that, for my sake, I don't want to get on their bad side, so I have no interest in applying for anything else right now. Gonna give them as much good payment history as I can until I'm able to get a better card from them, transfer the limit of my US Airways card over to whatever card that I'm able to get approved for let's say in six months and go from there.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)


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FastSRT8
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Postby FastSRT8 » Wed Oct 01, 2014 10:41 am

I still don't understand what gardening is all about.

Is it simply checking your score on say fico?
Carpe diem quam minimum credula postero!

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Oct 01, 2014 10:45 am

FastSRT8 wrote:I still don't understand what gardening is all about.

Is it simply checking your score on say fico?


There is some sound reasoning behind it. You keep the cards you like open, and don't apply for other things. Inquiries age and fall off, and your AAoA rises. So you get two factors helping your credit history.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

dickey1331
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Postby dickey1331 » Wed Oct 01, 2014 10:46 am

I think it is not applying for anything and letting your accounts "grow"
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
American Express Blue Cash Preferred $10,000
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Best Buy $6,000
Chase Freedom $4,500
Zales $4,000
Amazon Prime $4,000

popamode72
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Postby popamode72 » Wed Oct 01, 2014 11:08 am

I do agree that there are benefits to letting accounts age and stuff but I thought the point of these threads is to satirize how certain people on MyFico take it too far and are hypocritical about their mantra.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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djrez4
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Postby djrez4 » Wed Oct 01, 2014 11:09 am

FastSRT8 wrote:I still don't understand what gardening is all about.


You'll be a-ok if you live the rest of your life without figuring it out.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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MemberSince99
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Postby MemberSince99 » Wed Oct 01, 2014 11:24 am

I've been in the garden for almost 2 weeks now. I simply can't get enough gardening. It is the meaning of my life.


I plan to garden until the next offer that's just too good to refuse comes along. I'm devoted to the garden until it's time to drapp.

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lobbythis
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Postby lobbythis » Wed Oct 01, 2014 12:30 pm

How long does it take to garden an Amex Serve into Centurion?

MemberSince99
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Postby MemberSince99 » Wed Oct 01, 2014 12:42 pm

lobbythis wrote:How long does it take to garden an Amex Serve into Centurion?




"Centuries"?

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FastSRT8
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Postby FastSRT8 » Wed Oct 01, 2014 2:59 pm

LOL maybe just maybe the fact that I don't know what the hell gardening is all about is part of the reason I eventually got a Cent.

I read all the gardenning comments are realized I unconciously did all the 'right' things such as NOT applying for cards I don't want/need and letting those I like age like good wine.

If these strategies are true, then that may be one reason why I am where I am now.

You all have me curious. I should get on FICO and see what the heck my score is. LOL it may be scary low LOL
Carpe diem quam minimum credula postero!



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