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Frequent Contributor
MrCredit
Posts: 475
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.

NFCU Cash Rewards $11k, WF Platinum Visa $5k, Discover $4k , Barclay Rewards MC $1.5k, Amazon $800, Walmart $1.2k

As of 8/23/14
Walmart TU FICO 648
Credit Karma FACO 668
Valued Contributor
stef37
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?

Frequent Contributor
MrCredit
Posts: 475
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:
NFCU Cash Rewards $11k, WF Platinum Visa $5k, Discover $4k , Barclay Rewards MC $1.5k, Amazon $800, Walmart $1.2k

As of 8/23/14
Walmart TU FICO 648
Credit Karma FACO 668
Valued Contributor
stef37
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??

Frequent Contributor
MrCredit
Posts: 475
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.
NFCU Cash Rewards $11k, WF Platinum Visa $5k, Discover $4k , Barclay Rewards MC $1.5k, Amazon $800, Walmart $1.2k

As of 8/23/14
Walmart TU FICO 648
Credit Karma FACO 668
Valued Contributor
stef37
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.

 


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