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Want A Store Card

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Mike11208
New Contributor

Re: Want A Store Card

my AAoA is only 6 months so that is also the reason I went for it.

Message 11 of 13
LadyVee
Regular Contributor

Re: Want A Store Card

Nice ... I have tried and tried and I can't get the shopping cart trick to work for me. I only want VS, New York & Co. and maybe Ann Taylor but it doesn't work, so oh well :-)

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500
Message 12 of 13
Dw4250
Valued Contributor

Re: Want A Store Card


@Mike11208 wrote:

my AAoA is only 6 months so that is also the reason I went for it.


Each new TL will pull you average down, thus increasing the amount of time it will take you to optimize the age part of your score.

 

YMMV but for optimal scoring on AAofA in 7+ years; 4-6 years is pretty decent; 2-4 is just OK.

 

Anything under 2 years is going to make it tough to get "prime" cards, which is why most people advise those first starting out to start with 1-2 cards and gradually build up...

 

 

 

 

Message 13 of 13
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