Seventh Avenue, Ginnys?

[Anonymous]

hi all

I am having a hard time getting credit but want to increse the amount of available credit to help my utilization. I have been approved for a couple of these online Catalogue sites and i was wondering if it was worth using them or can they actually hurt you.

[Pway]

These accounts does not report to the cb's.  I had one and it did not report at all. I would focus on lowering util instead of apping for new cards.