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
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