No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Before I found this Fourm I had No Idea what I was doing. I had a Cap One Secured Card for a year and I decided to try for a Walmart
Card in Nov and got it. I was told I needed 5 credit cards to boost my Fico so Off I went trying to get 3 more and racked up ALOT of Inquires.
38 In total "I Know I know" lol. My question is, How long should I garden before I ever reply for another Card.
holy cow!!!!! I believe they will remain on your credit reports for 2 yrs.
Just the Walmart one lol
ALl others said too many inquires
The HP's will report for two years on your cr reports. Fico only scores them for one year. So yes, when you apply for new credit, they will see the reported numbers for two years.
Take what you have and sit in the garden. Only app for credit when you "need" it.