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@sc2761 wrote:Piggybacking on the OP's question: I have the 3 cards in my signature, all have no AF. Would anyone close the HSBC card which has a zero balance?
I wouldn't close any cards that don't have an annual fee. There is no benefit to it. Even if you don't want to ever use them, stick them in a drawer and let them help thicken your credit file.
@perfectuniverse1 wrote:Thanks everyone! Im not sure about any store cards.. and Ive already applied for a was denied for a CIti Fwd and Amex Zync. in thelast week. So I think I shoud lay low on the applying for a little while. And since I moved recently I have a lot of credit inqs dealing with that, utilities and such. I have fair credit, 667 CK. Is there a card out there I should apply for aside from the 2 I have? And how long should I wait before I apply?
If you are going to close your rebuilder cards, you really should go for that 3rd card before gardening. Is there Walmart's in your area? I like the Walmart card mainly because they will give you a monthly TU08 FICO score for free. The Walmart should be pretty easy to get and then you can close out those rebuilder cards.
@Crashem wrote:
@perfectuniverse1 wrote:Thanks everyone! Im not sure about any store cards.. and Ive already applied for a was denied for a CIti Fwd and Amex Zync. in thelast week. So I think I shoud lay low on the applying for a little while. And since I moved recently I have a lot of credit inqs dealing with that, utilities and such. I have fair credit, 667 CK. Is there a card out there I should apply for aside from the 2 I have? And how long should I wait before I apply?
If you are going to close your rebuilder cards, you really should go for that 3rd card before gardening. Is there Walmart's in your area? I like the Walmart card mainly because they will give you a monthly TU08 FICO score for free. The Walmart should be pretty easy to get and then you can close out those rebuilder cards.
Thank you.. i actually got the itch in the meantime and tried the Barclays reward card of which I was denied. I will try the recon on monday and if that doesnt work I will try the Walmart Card. I really appreciate the advice!
Just an update on my Amex Zync app.. was denied..and had a laundry list of reasons why.. It did say my fico score was 660.