06-03-2008 09:55 AM
06-03-2008 10:01 AM
My scores are looking pretty good right now, so I decided that I'd like to have a couple of prime cards with better interest rates. I applied for AMEX and Discover More. Disc. said no, but offered the HSBC Plat. Rewards Disc. The interest is really bad (19.95%) and the cl is really low ($900). Would it be better for my score if I never open the HSBC Disc. and take the inq. ding or to open it and just use every once and a while? ( I really don't want the card and have no use for it, but if it will raise my score I'll keep it.)
06-03-2008 10:02 AM
With your scores- I would decline the HSBC card-That is pretty insulting-Wait a few months and re-apply for the Discover.
06-03-2008 10:03 AM
06-03-2008 10:10 AM
06-03-2008 10:13 AM
06-03-2008 10:22 AM - edited 06-03-2008 10:25 AM
06-03-2008 12:57 PM - edited 06-03-2008 12:58 PM
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