11-26-2010 10:44 PM
I will do in the morning, I really should be studying and/or prepare for an interview on Monday.
11-27-2010 10:14 AM
Just applied, no candy... Still amazed I got the AMEX Green, but a few random cards I applied for I get denied.
I have had credit for 2 years, but only CapOne. So I am trying to get more accounts, showing and reporting some more good faith for me. With a goal this time next year to finance a Toyota Yaris, with 50% down... I just want something simple that will last 10 years and help my credit. With a goal in 3 years to get a nice condo or house...
So I two am looking for good cards, well I guess good daily card when my score increases.
My wallet now consents of;
CapOne Platinum CL $1,500 (2 years
Chase Amazon CL $500 (Applied a week or two ago)
AMEX Green (Now I charge my rent and all bills to and make two payments, that's the plain) (Applied a week or two ago)
You don't need any additional cards. Just let the ones you already have create a good string of history.
Additional cards won't look more impressive. If you stop with what you have (all of which are perfectly good cards), and treat them right, your scores will steadily rise. You've already found that you're not getting approved for more cards now. That's a sign that if you do get anything, it's apt to be a fairly crappy non-keeper.
Good history comes from maintaining the accounts you have, not from an endless quest to get more.
These ought to be plenty when you apply for an auto loan. After all, everyone has to start somewhere!
11-27-2010 11:58 AM
That's good to hear, if I did get another card I just either want lower interest and/or better CL. But if my CapOne did PC to No Cash, perfect. If another store card, it would have to be at a store I shop at (All though I really only shop for clothes twice a year). But I do think my card selection is also good for me at the moment. I just do not want the,"Your credit score is good, but lack of history and only one account reported. Can you get a good consigner?" Like I herd last year, LOL...
But OP good luck on your card search, keep us up to date. As this should help my brother when he gets some of his debts paid back and taken care of.