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Hi
What is your current Util % ?
What were your scores when you got your current cards.
Do a little risk analysis on your present cards based on Interest rate and record of payment.
I would look to getting a new card thats not one of the big ones saddled with problems like BofA or other headline companies.
If you get the new card, I would drop the two worst cards you currently have.
Since you are willing to take the hit, you can also close out a high interest card or one you might not have a shining history with.
You really want one or two good to great cards, not several that give you nothing (high interest and low limits)
Having many cards is a thing of the past, the game has changed a lot in the past month.
Good Luck
kevin - I'd look into a CU. A vast majority of them pull EQ. If your 680 or 660 score is an EQ score - go for it. If not, I'd wait a while.
Agreed!
cobra19 wrote:
kevin - I'd look into a CU. A vast majority of them pull EQ. If your 680 or 660 score is an EQ score - go for it. If not, I'd wait a while.
@Anonymous wrote:
Hello all. i have been working to improve my scores for about a year.(680,569,660) so far its been a slow but steady journey. i have a paid c/o that i did a couple years before i got my credit education, also way too many inq's(20 on 2 files). i got most of the transunion eq's off, but i want to join the 700 club asap and thought gettin a high limit card might help. i know i'll pay the price for a new account but not sure if it will help or if i even have a chance at getting approved. i have 3 major cc but low limits...1,500..1000.650...what do u think?..thnx
A high limit card will not raise your scores as you might think. However, a great payment history and time will raise your scores.