chiwiseguy wrote:Card breakdown:Citi - 07'Citi - 07'B of A - 04'Target - 02'Cap 1 - 02'Overall util is 38.7% (kinda high, but working on it) its down from 58% last month.The CR asked if I wanted to apply for another HSBC card and see what the terms would be, but I said no for now, just applied and got two citi cards. I may ask if I can transfer the account over. This was a starter card back when my credit was in the high 5's.
Lady_Scarlet wrote:You have a Cap1 older than the HSBC which will anchor your card age - personally, if they don't get nice to ya, I would close it and take a short term FICO hit (f you have no major purchases planned). But that is me...I have an HSBC card and unless things get better with them they will be gone at the end of the year