No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@jamesdwi wrote:
@tcbofade wrote:Yeah, what he said.
The card has no annual fee, and if you don't carry a balance, you'll never pay a penny in interest.
I'd keep the card just for the free TU score...
+1
and don't forget you can get free cash advances at walmarts just buy a pack of gum put on the card.... select amount of cash you want back... you can go to the service desk and return the gum if you like ;-)
I love this feature when i'm short on $$$
AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
@afbar1114 wrote:AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.
@LS2982 wrote:
@afbar1114 wrote:AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.
ok ill pay it off and maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it
@afbar1114 wrote:
@LS2982 wrote:
@afbar1114 wrote:AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.
ok ill pay it off and maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it
To get the CSP you have to have experience with a 5K limit, I would consider gardening past that timeframe and try to get CLI's.
@LS2982 wrote:
@afbar1114 wrote:
@LS2982 wrote:
@afbar1114 wrote:AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.
ok ill pay it off and maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it
To get the CSP you have to have experience with a 5K limit, I would consider gardening past that timeframe and try to get CLI's.
i ment Credit Steps Program lol
@afbar1114 wrote:
@LS2982 wrote:
@afbar1114 wrote:AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.
ok ill pay it off and maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it
another thing to remember is that GE/walmart is very good about CLI's every 4-5 months and that helps long term with some prime cards others here have posted about being in the low limit trap, which you seem to be, keep the walmart card for a year ask for CLI's every 4 months or so and you will soon be over 4k CLI and it can graduate to be a discover card at some point in the future. Got my Walmart card in november 900 CL, this month they gave me a $100 CLI now at $1000 I expect them to give me another one in 4 more months and if they follow the GE pattern it could be as high as a $1000 CLI and that will definetely help your UTL.
@afbar1114 wrote:
@LS2982 wrote:
@afbar1114 wrote:
@LS2982 wrote:
@afbar1114 wrote:AMEX-NPSL
Jared-$282/$2500
Home Depot- $356/$1100
Best Buy (store)- $445/$1000
Cap1-$428/$750
Cap1-$60/$500
Chase-$100/$500
Kohls-$25/$500
Walmart-$0/$500
Used my cards a bit more this month going to try to let a small bal of 15% or less post
I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.
ok ill pay it off and maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it
To get the CSP you have to have experience with a 5K limit, I would consider gardening past that timeframe and try to get CLI's.
i ment Credit Steps Program lol
@LS2982 will this impact my score or credit if i close it..
1 cap plat card $800 $19AF for 6yr.
1 cap plat card $750 $39AF for 1.5yr
sony card from cap1 $750 no AF 1.5yr
all of this is 0 balance...
@Anonymous wrote:@LS2982 will this impact my score or credit if i close it..
1 cap plat card $800 $19AF for 6yr.
1 cap plat card $750 $39AF for 1.5yr
sony card from cap1 $750 no AF 1.5yr
all of this is 0 balance...
Shut this one down. Should not impact your scores as long as you keep your Util. down.