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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?
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.
makeynik wrote:
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...