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Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Credit card suggestions, what should I try to get?

Oh thanks, myjourney

OP: best advice I can give is to get your util down. Applying for new cc's will not be in your best interest. Once paid, I'd sd the high APR cc's and never carry a balance on them.

Myjourney is absolutely correct. High util plus liens will not make your cr profile acceptable to the lenders you desire.
Posts: 130
Registered: ‎03-28-2013
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Re: Credit card suggestions, what should I try to get?

myjourney wrote:

Double edged sword tax liens and high UTL 

I recommend you hit the garden and pay down debts 

+1 Garden. Btw impressive that you have a 3000 line from Target, but how on earth do you have a 2500 balance? Nice job with the Barclays jumps too! But yeah, I'd try to pay those down. ASAP.

I got some cards with some credit limits. Some are better than others.
Valued Contributor
Posts: 2,084
Registered: ‎07-17-2012
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Re: Credit card suggestions, what should I try to get?

Thanks for the replies! I totally understand where you are coming from reguarding paying down the balances. I actually didn't think they were that bad. Only two cards are carrying a balance but Target is a little on the high side (electronics dept shopping). The rest are either PIF by the due date or not getting any use. Utilization currently about 38% reported. 


As for the tax liens, I didn't get the winning Powerball ticket that I requested last night so they aren't going anywhere. 


My reason for getting another card or two is to have cards with higher limits and lower interest. But I guess your right, I need to do a little work to make that happen.  Barclay's has the low interest offer so if I pay down Target, I'll have Barclays as the only card with a decent balance (utilization on that card would be less than 50% then). I'll probably have a better shot at being approved for better cards.  



Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500

EQ - 740 / TU - 748 / EX - 748

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