How is this card? I don't plan on apping for it until north of 640 (mortgage first!), but I have some major dental work coming up (2 root canals, 2 crowns and an implant) that I don't want to have to clear out my savings to pay for. We have great dental insurance with no annual maximum, and the amount would probably be qualified for the extended payment plan (total is 11,000 without insurance, about 4,000 with). If I use it and abuse it once, then sock drawer it except for annual doctor visits for my family, is it a good choice?
Starting Score: 492 02/12
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
