08-21-2009 08:49 AM - edited 08-21-2009 09:14 AM
08-21-2009 08:55 AM
Nice work on upping your AAofA, and keeping your utilization down.
I would look at GW'ing your baddies.
Alliant will give you a good CL, but doesn't require one to already be reporting on your CR's - was that what you were referring to?
08-21-2009 08:58 AM
08-22-2009 04:50 PM
Unfortunately Penney does not report AU card holders to the credit bureaus, so it should not have any effect on your scores one way or the other.
This means you can carry a balance and it will not drag your score down. This also means you will not derive any score benefit for prompt payment.
Of course, the primary account holder will be impacted by your use, so keep them happy.
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