Should I get a 3rd Credit Card?

[Chris679]

Walmart store card can be upgraded to the walmart discover. It's easy to get the store card so it is an easy way to start out. I think you are in good enough shape to not mess around with cards with poor terms. You have enough positive trade lines already, go for cards that you can be useful,

[mintons]

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@Chris679 wrote:
Walmart store card can be upgraded to the walmart discover. It's easy to get the store card so it is an easy way to start out. I think you are in good enough shape to not mess around with cards with poor terms. You have enough positive trade lines already, go for cards that you can be useful,

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Ok, I did not know that Walmart had a discover card.  So they have two cards on their website, the basic Walmart card, and then the Walmart Discover card.  Are you saying to apply for the basic walmart card, and then you can upgrade it later on to the walmart discover card?  What is the method to upgrade? do you have to make so many payments in time or something?

Or should I just apply for the walmart discover card?

Thanks for your input!

[fot1]

So for me now the questions are how old are your credit cards? Any Inquireis still factoring?  And what time range you looking at buying a house?. i don't see adding  a new card helping with scores.. Your ULT is good so won't help that.. You already have a good mix, and then you will take a hit for inquiry (unless you go a secured card) and then another with AAoA. Having a BK and the acounts listed your score of 650 is pretty good and not sure how much higher it can go..