Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 118
Registered: ‎05-27-2008
0 Kudos

Need advice

I need advice I paid all my credit cards off. I have 4 store cards 2 Visa credit union cards, 1 best buy master card, 2 capital one cards two gas cards no visa or mastercard logo. My highest credit line is Bank of America that's 2000. I'm trying to get a higher cli on all or most of the cards. My store cards are Jcp 200 cl, Macy 1400 cl, old navy 200 cl, target 200 cl. I don't want another store card. Can someone tell me the names of GREAT credit cards I can apply for once everything update on my reports? I want 4 major credit cards and I'm done. Also, should I try to get the cards I have already limits raised before I apply for new credit or should I wait until I get the new cards? Thanks

S/n I have one paid medical bill judgement (4yrs old).
Community Leader
Epic Contributor
Posts: 29,709
Registered: ‎03-19-2007
0 Kudos

Re: Need advice

If you want an additional bank card for flexibility in spending, then it makes sense.

However, with three bank cards, you are unlikely to improve mix of credti by addition of a fourth.


The primary factor I would consider before applying for a new bank card or seeking CLIs is the liklihood of approval.

What is your current score? 

If score is iffy, then I would first concentrate on score improvement.  Is the judgment paid?  If not, that alone could result in denail, regardless of score.


Keeping % util on existing cards low will give the same current score improvement in util of credit without need for higher CLs or an additional CL on a new card.

Once you are confident that your score and any manual review of derogs in your CR are likely to obtain approval, that is when I would seek more credit.

Personally, I would seek higher CLs rather than an additional card.

Regular Contributor
Posts: 118
Registered: ‎05-27-2008
0 Kudos

Re: Need advice

I dont want an additional bank card I want a chase, american express, discover (Visa, Mastercards) etc. My judgement is paid off. I do not owe anything on none of my credit cards I just paid everything to zero balance and I ha e never been late on anything. I found out I had a judgement when I pulled my credit report one day. It was a medical bill same day I paid that off. It states that it is paid on my credit report. Sense I just paid off everything to zero I velieve I have to wait atleast 30 days for everything to report to the 3 credit bureaus. So at this time I dont know what my score is.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.