Thanks for the explanation!
Now for the more pressing issue of getting into the so called garden, I won't qualify as I only have and will only carry 2 credit cards. My wallet is physically thin for a purpose....... you want it to almost a per a like you don't carry a wallet in your suit breast pocket.
So I guess I won't be I. Their club of 20+ credit cards in my name.
MemberSince99 wrote:It's a joke about the MyFICO site. On their credit card board, there are very few threads that do not have "garden" in there somewhere. Most have it multiple times. If I had a dollar for every time the word "garden" appears on that board, I could retire now.
The meaning of it is basically don't apply for anything, which they see applications/inquiries as a worse crime against humanity than Hitler, Stalin and Amin combined, though a lot of them have 20+ cards in their signatures. So as soon as someone gets a card, they all say "Congrats +1 now get in the garden for the rest of your life or you'll destroy your credit and your life and have to hang yourself in your closet!!!!!!" (a bit of an exaggeration but you get the idea). They almost make this garden a religious type of experience and it's not much of an exaggeration to say, the meaning of life.
That's where that stuff comes from.
They are actually a pretty decent bunch all in all, and have a lot of knowledge and experience, but they are a bit fanatical in their views. I think some of them have forgotten the goal is not to "garden" but to get and use the cards you want and use them to enhance and live your life, and that credit is to live and not to live for credit. Personally I'm never in the "garden" but I have now reached a point I have the cards I want and no plans to apply for anything in the near term. I do not consider that gardening in terms of the way and meaning of my life, only that I have credit to meet my needs.