11-21-2013 06:59 AM
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 . 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.
11-21-2013 07:03 AM
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.
11-21-2013 07:33 AM
Do you have family members that are members? If so, it may work for you.
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