I saw one of them posted on that board something like "Why can't people STAY in the garden????" (where they belong in the poster's mind obviously), going on to ask why is it so hard for people to stay in the garden and NEVER APP FOR ANYTHING EVER.
These guys just don't seem to get the concept that without credit, you have no score. Maybe they REALLY believe that if you have no credit or inquiries whatsoever you will have an 800 score.
Personally I'd respond with why are you so worried about what other people do, jealous that they get approvals that you can't get maybe?
Those guys just crack me up with their garden nonsense.
And mind you I do "get" that you want to build a sold foundation and do it a piece at a time, but to be honest, if you are living for 2 to 5 years down the road, that may never come for us. We just don't know. I found it's better to live for today, plan for tomorrow and do your best but all we have for sure is today. And if I can get a nice limit card today that will grow with me, then I will go for that and I will live with the inquiry. I have a LOT of them already and still my scores are 760s. I'm planning to add 2 to 3 cards next year, and will only app for what I hope to be long term things, but if I see something I want, I'm not going to be saying "Oh gee I need to live in this garden because an inquiry is a bigger crime against humanity than the Holocaust". Just wanted to clarify, I get it, they are just extremist wackos about their "garden", in my view, and FAR FAR too worried or maybe jealous about what others do.
Do whatever is best for you, you know that WAY better than we will ever know it, so just do it, as long as you can live with it.