Reply
Established Contributor
Posts: 576
Registered: ‎11-13-2008
0

To Combine or not to combine?!

First off, I think this forum is the BEST!! I have learned lots of knowledge from it....

anyway...

 

I have one question, my wife has two Citi Cards, a Dividend Platinum Select and a Cash Returns.

Limits are PS=$16000 and Cash Returns is $12100.

 

The PS has a balance of 3300 and the Cash Returns has a bal of 10260, (boat purchase)

The platinum select has a 7.24v APR Cash returns 9.99v and both balances are a lifetime BT of 4.9%.

 

PS has been open since 3/07, and is the oldest of the two with the lowest rate. For utilization and scoring do you recommend combining the two to make a total credit line of $28100 with a $14000 balance or leave them the way they are? What would be the best thing? I know her scores are tanked right now with that 90% utilization on the Cash Returns? Any recommendations? Thank you in advance.

Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: To Combine or not to combine?!

You've asked this same question 3 times and byrdman answered it for you.

 

Maybe you were too busy crapping in other member's threads about Discover to have seen his response?

Established Contributor
Posts: 576
Registered: ‎11-13-2008
0

Re: To Combine or not to combine?!

I will check it out... did not see the response, I just have hateful feelings for Discover lol....felt the need to express myself. :smileyhappy:
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: To Combine or not to combine?!

I'm sorry you hate Discover and several other lender's as it appears.

 

Discover is a conservative lender. You stated you have a BK, LOW scores, and are carrying a high balance. Do you realize that many people here with higher scores than you, no BK or baddies, and lower utility STILL can't get in with Discover?

 

Please don't burst everyone elses bubble.

 

We are suppose to be supportive. I can understand the need to vent, but in everyone's thread??

Established Contributor
Posts: 576
Registered: ‎11-13-2008
0

Re: To Combine or not to combine?!

I apologize... and my scores are in the mid 600's, I got in with Discover via Recon. I was denied initially.
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: To Combine or not to combine?!

Thanks for the appology, but it wasn't my thread you vented in.

 

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.