Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 118
Registered: ‎05-27-2008
0

how to rotate your credit cards and which major cards to apply for?

I need help on how to rotate my credit cards. I have one card that was close once I paid it off, I guess from not using it. I was to busy trying to pay it down. Also, I have one card bofa that just closed after I paid it off in full. Crushed my heart it was one of my highest limit 2000 Smiley Sad . So I just paid all my credit cards off they all was max out for about two years due to me loosing my job. But I made a little over the minimum monthly payments each month. Once I got the funds to pay them all off I did and they started trying to close my cards and lowering the limits before my credit reports updated that they were paid in full. 

 

Also, I have more store cards than I do major credit cards. Can someone tell me how I can get major credit cards. I have 12 store cards and 3 mastercards(2 capital one and one Bestbuy which is a citi card now. It was capital one). I have no late payments on any of them ever I have had sense 2008 last card received was 2011. I have 7 inquiries in 2013. An old paid medical judgement thats 4 yrs old and 1 recent medical collection not paid yet for $259. Thats it. I was wondering should I try to raise my current cards credit lines because they r low like 200, 400 or 500 that's it. Or, apply for a major credit card because thats what I want the most. I will not apply EVER for another store card. So which major credit cards do you think I should apply for first? Scores now are all around 636 my credit report has updated yet to show all the ones I paid off. I have to wait about 20 more days.

Valued Contributor
Posts: 1,328
Registered: ‎09-30-2013
0

Re: how to rotate your credit cards and which major cards to apply for?

Maybe try NFCU cashRewards cards? Do you have family members that are members of NFCU?  They are generous with CL and approved me with a 628 EQ. Beware, they are HP happy...one for banking and at least one for CC. 



Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 585 TU: 550 EX: 617
Goal Score: ALL 720+

In the Garden Until August 2016 Last App June 2015
border="0"Take the myFICO Fitness Challenge
Regular Contributor
Posts: 118
Registered: ‎05-27-2008
0

Re: how to rotate your credit cards and which major cards to apply for?

Not a member of NFCU. Thx

Valued Contributor
Posts: 1,328
Registered: ‎09-30-2013
0

Re: how to rotate your credit cards and which major cards to apply for?

Do you have family members that are members? If so, it may work for you.



Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 585 TU: 550 EX: 617
Goal Score: ALL 720+

In the Garden Until August 2016 Last App June 2015
border="0"Take the myFICO Fitness Challenge

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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.