06-11-2009 09:34 AM
06-11-2009 09:37 AM
Consider your goals for using the cards. If the BofA card is a standard card, consider adding a cash back or other type of rewards card. Many good products are posted about here.
Many posters like the PenFed Cash Rewards card, while others will target another specific type of rewards product.
Go over what you typically charge and then find the product that would suit that need by perusing the great threads here.
06-11-2009 10:13 AM
06-11-2009 01:23 PM
If I understand correctly, the BofA card is your father-in-laws card, correct? If so I'd assume you'd like a card that you could acctually use other than in Target. I think if I were you, I'd look at a Cap One. Do you have any baddies on your reports? How many inquiries? What else is on your report other than the AU card?
06-11-2009 06:38 PM
the card is my fathers in law first but he put me as a joint memeber he doesnt use it me and my wife are on it and use it. iwould like another card so i will try capitol one maybe theyll work with me.
06-11-2009 08:38 PM
06-12-2009 02:40 PM
What kinda scores and from which CRA does PenFed look at? I have cap one, my eq is around 640's, my ex?, my tu is 540's...and does it report to all 3? I have paid off all my negs, now just trying to gw lates and paid charge-offs...was thinking about risking an applicatioinquiry to another cc, OR just might wait...
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO