09-06-2008 10:43 AM
....I just need advice on what to do next. I now have 5 cards..BofA..13 mos open..$2500 high...0 balanceOrch..11mos open..$300 high.....0 balanceWaMu 4 mos open..$3500 high...$700 balance...0% till janCapOne..4 mos open...$1000 high...0 balance...0% till DecAND THE GRAND DAM....Discover...high not given on pre-approved site...0% till Mar 2009My questionsare numerous but the big one is can anyone guess what my credit limit will be? I make about 100k a year, been on my job for 10 years. Also can anyone give me direction on what I should do next? I had decided not to apply for any more cards since we'll be buying a home within a year but the discover card was too hard to ignore. I need your help .
09-06-2008 04:51 PM
09-06-2008 05:40 PM
09-12-2008 02:08 PM
09-13-2008 06:28 AM
Well another update on my journey. I called Cap One for a cli and the girl basically told me no. When I told her that i would be closing my account in the near future she closed it anyway without my permission. I asked for her supervisor and she told me there was nothing she could do...It was closed. I was so angry that I asked them to remove me from there mailing list and never contact me again. I only had the account 4 months paid perfectly and left with a 0 balance, so it will still help me. Nedless to say I won't be missing Crap one.
This also got me thinking about Orchard and closing that account also since the limit is only $300 on a sceured card and I have 3 pretty good other unsecured cards, BofA, Discover, and WaMu. What do you think I should do? Will closing the Orchard bank hurt me? I've had it for about 10 months. Also it shouldn't have an effect on my average since it will still report for 10 years.
09-13-2008 08:47 AM
09-13-2008 09:07 AM
09-13-2008 01:00 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.