Reply
Valued Member
Posts: 44
Registered: ‎06-08-2009
0

Re: 2 Part Question

You can only use that at Kohls thought right? We shop there very rarely. Wouldnt it be more beneficial to get something that you could use more often?
Epic Contributor
Posts: 24,715
Registered: ‎10-23-2007
0

Re: 2 Part Question

oh yes
Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Valued Member
Posts: 44
Registered: ‎06-08-2009
0

Re: 2 Part Question

Is capitlone considered a prime card? Since she already listed as an AU on my amex should we go for another brand besides capitalone/amex since we already have those?
Epic Contributor
Posts: 24,715
Registered: ‎10-23-2007
0

Re: 2 Part Question

capital one can be prime but a lot of times they end up not being. i would be interested for a follow up of the limit.

I would really consider a store card, she has a better chance of getting that.

if you don't care about limits or rewards and just want another card, householdbank would for sure approve and they have a pre qual also 

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Valued Member
Posts: 44
Registered: ‎06-08-2009
0

Re: 2 Part Question

Are store cards considered prime?
Epic Contributor
Posts: 24,715
Registered: ‎10-23-2007
0

Re: 2 Part Question

I would say Macy's and the Chase backed cards, Kohls, Pier 1, etc.

the GE backed once not so much usually 

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Valued Member
Posts: 44
Registered: ‎06-08-2009
0

Re: 2 Part Question

I will look into those and see if there are any other prime cards around that we would have more options with. We just dont shop at any store regularly enough for a store card. Except maybe costco.
Established Contributor
Posts: 645
Registered: ‎10-24-2007
0

Re: 2 Part Question

When you paid the electric company collection it changed the last activity date to Feb. 09, effectively making it appear newer and costing her more points on her credit score. Even though a paid collection looks better on a manual review, none of us knows how this might be "seen" in an online application being handled by computers.

 

Unless you have a special need for another card right now I would add her as an AU to your Best Buy card and then just sit back and wait. AUs benefit from  the history  and credit limits of any card showing up on their reports. Give the paid CO and her new card time to age. Then apply for a new card when she can get a good card that she'll want to keep forever.

Valued Member
Posts: 44
Registered: ‎06-08-2009
0

Re: 2 Part Question

[ Edited ]
Creditaddict, Whats your reasoning behind being a firm believer of 3 cards? And do you like to have the 3 from different credit card companies? eg. Amex, Mastercard, and Visa?
Message Edited by Hawnted on 06-08-2009 09:20 PM
Epic Contributor
Posts: 24,715
Registered: ‎10-23-2007
0

Re: 2 Part Question

because with 3 accounts, auto or personal loan, credit card, store card(no visa store card) you are maximizing all the different types of credit which helps with score.

so if you don't need a personal loan or car loan, i say just another credit card.

visa, mc, amex, discover, does not matter. 

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.