What Should I Do

[NiNoMArksLA]

Cap One QSO $750
Cap One QS $750
Bofa Securd $300
Credit One Bank $600
Express $900
Macy's $900
Wal-Mart $400
NMAC Nissan Financial 12% Made 13 Payments

Credit Karma Says 634 Score
Experian Says 667

Theres Like 17+ Inqs Cross 8 fall off December
5 July 2015

Have 3 Closed Accounts

Santander 6 Payments Paid Off In Full No Lates
Arron's Furniture Paid In a Full Closed Out
Daniels Jewery Closed But Was 120 Late About 2 1/2 Years Ago Paid In Full

No Collections

At 65% Debt But Paying On Time And Not Using Cards There Will Be Paid Off After New Years

What Should I Do I Am Not Happy About My Cards
Have Like 3 Years History

Need Help

[NiNoMArksLA]

Macy's is $1000 limt ^^^

[JediNeo]

Why exactly are you unhappy? Are you looking for better reward cards?

[NiNoMArksLA]

Want a good subprime card but I know history is low and I wont get approved for a card like that

[CreditCuriosity]

Why not go for a barclay's reward card.?  althgough that is a FAKO for CK, usually those are lower scores then real FICO's.. Most likely you would be approved.

[Creditaddict]

---

@NiNoMArksLA wrote:
Cap One QSO $750
Cap One QS $750
Bofa Securd $300
Credit One Bank $600
Express $900
Macy's $900
Wal-Mart $400
NMAC Nissan Financial 12% Made 13 Payments

Credit Karma Says 634 Score
Experian Says 667

Theres Like 17+ Inqs Cross 8 fall off December
5 July 2015

Have 3 Closed Accounts

Santander 6 Payments Paid Off In Full No Lates
Arron's Furniture Paid In a Full Closed Out
Daniels Jewery Closed But Was 120 Late About 2 1/2 Years Ago Paid In Full

No Collections

At 65% Debt But Paying On Time And Not Using Cards There Will Be Paid Off After New Years

What Should I Do I Am Not Happy About My Cards
Have Like 3 Years History

Need Help

---

no offense but you can't get prime cards when it looks like you are barely managing subprime... and having 60+% util on small limit cards looks very bad for wanting high limit cards.

don't apply for anything until you make a large chunk of these cards $0 next year.

like you need over half showing $0 and over half under 50% before you should dream of applying for anything.

and when your score shoots up from paying down the credit cards you shoudl REFI the car not worry about new credit cards

[MarineVietVet]

---

@NiNoMArksLA wrote:
Want a good subprime card but I know history is low and I wont get approved for a card like that

---

Be patient. Let time be your friend.

Wait a year or so, make all your payments on time, let many of those inquiries either drop off at two years or stop affecting scoring at one year.

Just my 2 cents.

[Capya]

---

@Creditaddict wrote:

don't apply for anything until you make a large chunk of these cards $0 next year.

like you need over half showing $0 and over half under 50% before you should dream of applying for anything.

and when your score shoots up from paying down the credit cards you shoudl REFI the car not worry about new credit cards

---

This.