02-10-2009 12:31 PM
02-10-2009 01:27 PM
What are your scores? What is on your report? Why did you go with First premier?
Could you have gone a different route? What are your current baddies on your report?
I ask because First Premier is not a CC many people like. Do you need to have your score raised immediately?
Can you hold off awhile to try some other techniques in raising your score?
If you pay off the card immediately, then it will help your util% with adding this new $250 limit to your report.
However because it is not much, it may not offset the ding you will get due to inq and new accounts showing on your report. What are your other CC's? What are their balances and limits?
Give us some more info so we can help you
02-10-2009 01:34 PM
02-11-2009 05:01 AM
02-11-2009 10:39 AM
My score are 620, 585, and 564, that is why I couldn't get a better card. All of my baddies are medical bills and 2 30 day lates from May of this past year. I don't have any other CC's. Do the CC companies do an inquiry on authorized users?
They do not do inqs on AU's. Also, if the medical baddies are paid you should definitely look into the rebuilding credit forum and ask how to get them off your report.
Read this thread The HIPAA Letter Process & Medical Collections (w/ HappyDays)
Also try to Goodwill those lates off your credit report.
Hope this help and keep us updated