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Ok so I do have a "few" credit cards that i am wondering if they are just hurting me by keeping them all together...I would like your advice/opinion please
JC Penny-CL 2,600
Target- CL 200
Walmart-1,900
Palais Royal-CL 500
Kohl's-CL 700
Old Navy- CL 2500
Best Buy-CL 500
Conn's- CL 1,500
US Bank- CL 500
Amazon-CL 1,500
These all have 0 Balances..I JUST paid them ALL OFF last Month!!!
Crapone- CL 750-645 balance
I JUST aquired these
Home Depot-CL 1,000-0 balance
Childrens Place-700- 44.00 balance
@Anonymous wrote:Ok so I do have a "few" credit cards that i am wondering if they are just hurting me by keeping them all together...I would like your advice/opinion please
JC Penny-CL 2,600
Target- CL 200
Walmart-1,900
Palais Royal-CL 500
Kohl's-CL 700
Old Navy- CL 2500
Best Buy-CL 500
Conn's- CL 1,500
US Bank- CL 500
Amazon-CL 1,500
These all have 0 Balances..I JUST paid them ALL OFF last Month!!!
Crapone- CL 750-645 balance
I JUST aquired these
Home Depot-CL 1,000-0 balance
Childrens Place-700- 44.00 balance
How long have you had each of these accounts??
I wouldn't say any of the cards are necessarily hurting you. As long as you're able to manage all of the cards I don't think you'll have any trouble. Plus you've got a couple GE cards so they'll grow with you if you treat them right.
Ooop's I forgot to mention that I have had these since 2010.
@Anonymous wrote:Ooop's I forgot to mention that I have had these since 2010.
I wouldn't close any of them.
Have you attempted a CLI with US Bank??
Also, have you tried the Cap1 Exec. number for a CLI??
Keep everything unless you are paying annual fees somewhere on a card you have no use for.
Limit future apps to store cards, or adopt a one-in/one-out approach to them.
Where you really want to go from here is a major bank card. Chase/Citi/BoA/etc, or Amex.
You have several respectable credit limits, so I'm guessing your score has improved noticeably from the late 2010 ones in your sig. Do you know your current-ish FICO?
Well the one that frustrates me the most is Target...I have been there @$200 since I first applied and they WILL NOT increase whatsoever...I did try once for US Bank & Capital One but was denied. This was I think maybe last year...I haven't since. Then I did try Citi Simplicity but was told that there were too many inquries which I have NOT app'd like I did in 2010..I get pretty discouraged with the bank cards because it seems like its ALWAYS no...
If all of your cards were opened in 2010 and you think you have too many, you could close some (although it's not really necessary unless you have any AFs). Definitely don't close your oldest card or your one with the highest CL.
@scientifics wrote:If all of your cards were opened in 2010 and you think you have too many, you could close some (although it's not really necessary unless you have any AFs). Definitely don't close your oldest card or your one with the highest CL.
Closing your oldest card if it has a high AF or you don't use it isn't really an issue. It will continue to report for your AAoA for the next 10 years.