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Established Contributor
Posts: 839
Registered: ‎10-28-2011
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?????? about my accounts...should I try and add accounts ?????

[ Edited ]

Hey guys

 

I had a BK 7 in June of 2005 ..

 

this is a list of my CC 's

 

CAP one   2000  cl ....300 balance  ......opened   10/08

Discover HSBC  CL 1350   0 balance  ......opened  1/07

Walmart store card  875 CL  0 balance ....  ....opened 12/10

Best buy store card  750 CL (MAXX plan B) 0 balance.... opened  2008  

Chevron gas  800 CL   0 balance   ....opened  4/11

Barclay  MC   3000 CL  0 balance  ......opened  11/11..

 

 

I want to close my BB store card but I am afraid that it will hurt my AAoA ???.....its at around 4 yrs right now..

 

In June when some of the bad IIB info drops off, plus 1 collection will go away leaving.... me with one on TU and EQ  that will come off in 12/12.  I want to try  for  plan A  account.

 

I want to stay in the garden till then picking flowers till mid year at least ...dont need the inquiries...That the only card I desperatly want  0 %  financing need a new TV

 

Any help would be great

 

thanks

 

 


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Posts: 15,075
Registered: ‎07-14-2009
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Re: ?????? about my accounts...should I try and add accounts ?????


amercnchopz34 wrote:

 

 

I want to close my BB store card but I am afraid that it will hurt my AAoA .....its at around 4 yrs right now..

 

 

 

 


Closing a card will not immediately affect either your AAoA or credit length history. You can read more about it here: Closing Credit Cards.

Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Re: ?????? about my accounts...should I try and add accounts ?????

anyone have any ideas what my chances are for apping for a Chase freedom card????


Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
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Re: ?????? about my accounts...should I try and add accounts ?????


amercnchopz34 wrote:

anyone have any ideas what my chances are for apping for a Chase freedom card????


Chase included in your BK?

 

The GE Cards have you been requesting CLI every 4 months... looks like you have had some of them for over a year but still lower lines.

 

I would probably take any "possible" hit right now and get rid of the plan B, especially if you want to try for plan A later.

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: ?????? about my accounts...should I try and add accounts ?????

Are the pulls for CLI on be cards hard or soft pulls?

Get a myFICO recommended credit card

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