03-03-2013 07:53 AM
If you want a card with a CL of 3-5k within the next year, What you should do is get a secured card for as high of a CL as you can afford or get approved for. I would recommend Bank of America. As your credit improves they will graduate it to unsecured but more importantly, when you apply for "prime" cards 6 months or a year down the road they will see the CL from your secured card and will offer similar ones... Good luck.
03-03-2013 09:39 AM
I dont know what your history is like with NFCU but have you looked into opening up another card through them? Just an idea!
03-03-2013 10:24 AM
True regarding the First premier's fee's, however, those are my longest credit tradelines right now, and I really don't want to ditch that, just YET. I will after I grab a mortgage. Im thinking about grabbing a new bedroom set, do you think any furniture store will approve me for about $1500 to $2000?
03-03-2013 11:02 AM
03-03-2013 11:45 AM
03-03-2013 02:54 PM
Agree with you, and I wasn't being snappy at all like you thought. Just the way it sounded. I know if I keep my balances down and continue to pay everything ontime, I will certainly be close to 700 by the end of the year.
03-03-2013 04:03 PM
Yep, pushed the credit "restart" button a year ago and now have the courage to apply for cards again. I need them as I'm applying for a mortgage soon. I just have a 5k limit navy federal cash rewards cc that I've had open since December, a 300 and a 250 limit First premier cc's.
If I were you i'd be axing those FP cards. Too many fees plus your 5K CU cards blows them out the water.
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