Credit Cards

[scottinla21]

I always read the fourms but this is my first post I am 23 is this to much for my age? What do you think? I get excited and apply lol

Discover More/Now IT - 1700

R/Walmart - 1500

Sams Club - 1500

Cap 1 - 500

Cap 1 - 750

Amazon store card - 500

hsbc/Cap - 400

Best Buy - 750

Toyrus - 500

Macys - 1300

JCP - 700

lowes - 300

Home Depot - 1450

Kay/j - 4000

Target - 200

La curacao - 3000

Fingerhut - 400

Childrens place - 700

Victoria secret 500 < Girlfriend made me lol

[Dustink]

Welcome to the forum.

I would start thinning out the low limit cards from places you don't shop often.

You should focus on getting some good cards from banks that bear a logo allowing you to use them elsewhere.

Having so many store cards is pretty pointless.

You will get better rewards with a few good bank cards.

Chase, AMEX, and US Bank in my opinion offer some of the best cards. 

[E150GT]

Thats quite a bit. 

[beb86]

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Dustink wrote:

I would start thinning out the low limit cards from places you don't shop often.

You should focus on getting some good cards from banks that bear a logo allowing you to use them elsewhere.

Having so many store cards is pretty pointless.

You will get better rewards with a few good bank cards.

Chase, AMEX, and US Bank in my opinion offer some of the best cards. 

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+1 and the store cards you have you can try for CLIs ....time to thin out the heard

[scottinla21]

Chase denies me all the time, us bank I haven't tried I will keep it in mind thanks Amex I feel intimidated when I go to there site LOL

[Dustink]

Most banks will decline you. You have a bunch of low limit cards which likely means you have a bunch of INQs on your credit report.

You need to get rid of the cards you don't need. Try for soft pull CLI's on the others. Wait several months and then try for some prime cards.

[scottinla21]

i've tried and no luck only sams club i had them match with my walmart. Ive recently paid down so i will try again in a month or so but thanks for the advice

[beb86]

What are your scores? inq in the last 12 months?

[Dustink]

I understand it is hard to avoid apping. I am 21 and have too many cards as well. Avoiding the store card apping will be good. Make some goals and work towards some non store credit cards.

[scottinla21]

all are mid 600's Inqs you dont wanna know lol ex 8 eq 9 and trans 11