King of a general dislike but I REALLY hate this term from the FICO forum

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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King of a general dislike but I REALLY hate this term from the FICO forum

Postby MemberSince99 » Thu Nov 22, 2012 1:45 pm

"Garden".

All they rant and rave about over there is "gardening" their cards.

"See you in the garden".

That whole thing is starting to annoy me. And the preachiness about NEVER applying because even 1 inquiry in 2 years is a major crime against all humanity. I'd love to ask those guys if you never app, how do you get credit, do you just have family connections where they hand you guys cards because they know how great you are or something that's not available to the rest of us?

Seriously can anyone tell me if you never app, how you get the cards, do they just mail them to some of us?

They do have lots of posters there and lots of good info, but man those two things about drive me nuts about that forum.

I just don't wanna hear about "gardening" in connection with credit cards. They are pieces of plastic you use to buy things with, not seeds to grow fruits or vegetables.

Maybe I'm the only weirdo that this bugs? if so, sorry!


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Postby Snowman » Thu Nov 22, 2012 2:43 pm

99- I hear you. It bugs me as well but I wouldn't post that there. They talk a lot about gardening. I don't necessarily care about credit card rewards that much. Like my parents tell me, credit cards are just a piece of plastic that give you a short term loan that you have to pay back later. The rewards are just bonuses. That forum can drive one crazy with all the Posts and topics that are there.
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Postby djrez4 » Thu Nov 22, 2012 4:24 pm

It makes sense if you have less than perfect credit. The idea is that you get some cards and then use them properly for a while without applying for new ones, raising your score. That works for some people.

If you already have great credit and have a desire to work the system, gardening is a waste of time.
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Postby MemberSince99 » Fri Nov 23, 2012 8:00 am

The advice makes sense, many times (though not every time, when you get some fanatic who sincerely believes any application in your lifetime is the biggest evil in the entire world, though you gotta wonder how that fanatic got 20 cards with that philosophy) so I wouldn't argue that getting a few cards, letting them age, hopefully getting CLIs, and then in a year or so do it again if it makes sense is bad, it's not. It's smart if you do it right.

I just don't care for all the talk about the 'garden'. I guess, to be honest I don't like the term itself, rather than what it means. Just a personal pet peeve, I'm probably just a weirdo as I mentioned that I don't care for it.

A few of them are hard core about screaming at people for applying. Dude when you run my life and pay my bills, then I'll do what you say, until then I do what I feel like. If you don't like that, well I'm sorry but it's your problem and not my problem. You're always welcome to pay my bills so that changes if it really bugs you THAT much! :)

That said they do have lots of posters there and a lot of good info, if you can handle the annoyances to get it.

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Postby MemberSince99 » Sat Nov 24, 2012 7:29 am

Ok, I opened a thread on FICO, and they started droning on about the "Garden" with the passion and devotion of a religion, and I thought I was going to throw up in my mouth. Seriously this is exactly what I'm talking about, they go on about it as if it's the meaning of their life (which is really pathetic if you think about it, if that's the case). I like having good credit and taking care of it, but frankly I don't really care about 10 points one way or the other, and i don't live to pamper a bunch of pieces of plastic, or consider my self-worth to be based on which company is on said pieces of plastic or what my limits are.

I'd post the link, but I'll just take the best quote from that:
Yeah, gardening is great, but boring to the point where it seems as if time is stuck.

If I had two weeks to live, I'd love gardening. Why? Because the days would seem like years!






Dude, if I had two weeks to live, my credit cards would SERIOUSLY be the LAST thing I'd be worried about. I do realize he's making the point that it makes life seem to last longer, but their posts about the subject, man, all I can tell you is most employers would LOVE for their employees to feel about work like these guys feel about gardening and I highly doubt they like *** any more than they do being in the "garden"!

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Postby jeffysdad » Sat Nov 24, 2012 7:41 am

Live within your means, pay your bills on time, and the rest will take care of itself.
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