08-25-2012 07:57 PM
AMEX Premier Rewards Gold
AMEX Gold Delta SkyMiles ($5k)
BofA 1-2-3 Cash Rewards Signature Visa ($2k)
BBRZ MC ($500 - I know, I know it's low)
I just did a PC to the BofA card and realized that I may have lost out on utilization (which I keep at <10%) because it's a signature card. My questions are:
How will the signature card affect my score since I'm not expecting it to report a credit limit?
Should I consider rounding out my wallet portfolio with another card that reports a balance and credit limit?
I have 2 inquiries on EX and EQ and 3 on TU (one of which falls off 3/13). Each CRA has an inquiry that is over 6 months old. My AMEX cards are not even a week old. Scores in the low 700's.
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