Just had to say....

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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Just had to say....

Postby MemberSince99 » Mon May 20, 2013 9:34 pm

Garden garden garden

Congrats +1!


admin
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Postby admin » Mon May 20, 2013 9:37 pm

Please refrain from using that word on CreditCardForum. We have a new rule effective immediately - anyone who says the "g" word more than 3 times will be banned and redirected to myfico forums. Thank you for your cooperation.

-Admin

MemberSince99
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Postby MemberSince99 » Mon May 20, 2013 9:43 pm

That's priceless!!!

credit_card_fonz
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Postby credit_card_fonz » Mon May 20, 2013 10:06 pm

I tried to find this place called "The Garden" but drove around lost for hours. I tried using my Garmin to locate a POI but all I found was this place with flowers. I was told by another forum to get to the Garden and if I step one toe out of the garden I would be banished from paradise for life! At least that's what I think they said, but I need someone to tell me how to get there.

Gamma
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Postby Gamma » Mon May 20, 2013 10:15 pm

admin wrote:Please refrain from using that word on CreditCardForum. We have a new rule effective immediately - anyone who says the "g" word more than 3 times will be banned and redirected to myfico forums. Thank you for your cooperation.

-Admin

Redirected where specifically? The garden?!

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djrez4
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Postby djrez4 » Mon May 20, 2013 10:16 pm

Beetlejuice?
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FastSRT8
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Postby FastSRT8 » Tue May 21, 2013 3:19 am

OK.... what is all this stuff about Garden?
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MemberSince99
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Postby MemberSince99 » Tue May 21, 2013 6:32 am

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.

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Postby KrazyNick » Tue May 21, 2013 9:21 am

MemberSince99 wrote: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.


Very nicely said. I like browsing on the Myfico site, I never post on there though, but I never understood why they will apply for a card and then "garden" for a year or two. I mean if you want a card just apply for it, no point in staying in the garden for your whole life.
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Postby Sevenfeet » Tue May 21, 2013 9:30 am

I'm not sure that the MyFico crowd is any different than the people here...it's just that this community is smaller with handful of regulars leading discussions.

I actually like the "Garden" concept since it acknowledges that this little hobby can get out of hand with people's tendency to be compulsive...kind of like gambling. "The Garden" basically makes a game to get people to take a breather from burning up the application process every time a new product flies by their nose.
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