No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
@Anonymous wrote:Store cards are still revolvers in the eyes of most lenders. A good mix would be bankcards (revolvers) along with a charge card (AMEX PRG for instance) plus a few installments as you already have. Be very careful as to not apply for too many more cards since that will put you in a position to overspend. I have some store cards for rebuilding purposes, now I have two bank cards (Discover It and Chase Freedom) that signal the end of my rebuilding, that I just now need to get utilization down on. Get utilization down, sit on those cards a while, let them age, and maybe go for a CSP to go with Freedom (or Freedom Unlimited should I decide that two 5% category cash back cards are too many).
Be very selective with what you apply for, and absolutely sure it fits your needs.
I have Freedom, Venture, Quicksilver and now Discover. I have no need for any additional cards in the near or distant future. I NEVER go above 8% uti.
My re-build platform has been established. Now to maintain, grow & respect what I have done and never let what I let happen, happen again ever. I will now work feverishly at getting my last paid collection off my files.
I would not bother with a store card. They are classified as revolving accounts, but are scored slightly less than bank cards. It should not hurt you in the least to not have one.