11-26-2007 01:06 AM - edited 11-26-2007 05:03 AM
concorduser wrote:For now I think I have 6 store cards. I'll leave them as they are for now. Make a purchase every other month and PIF on each card. Let it happen what ever happens 6 months from now. There is no point in worrying for what we dont know.
11-26-2007 01:56 AM
psychic wrote:I have a 16 year old Dillard's account that I use just a couple of times a year, simply because it's becoming an "older" account, and I'd like to keep it on my credit reports. I don't even like Dillard's merchandise anymore. But, twice a year I'll try to find something in that store that I like.
11-26-2007 02:42 AM
psychic wrote:I have a 16 year old Dillard's account that I use just a couple of times a year, simply because it's becoming an "older" account, and I'd like to keep it on my credit reports. I don't even like Dillard's merchandise anymore. But, twice a year I'll try to find something in that store that I like.You may be over-working that Dillard's card.The last payment/date of activity on mine is 04/1998. They continue reporting every month on all three CRAs and the CL (at least on EQ) is factored into my revolving utilization.
11-26-2007 03:42 AM
11-26-2007 08:35 AM - edited 11-26-2007 09:30 AM
From what I've been told by Dillard's credit department, if I want the Dillard's AMEX card, I'd have to apply for it--meaning a hard inq. They don't just automatically upgrade you. This is the down side of having my 16 year old account--the Dillard's AMEX card wasn't available when I applied for credit in 1991. At this point in my life, I'm really not interested in applying for new credit. On the other hand, I already have an AMEX Optima Platinum card that I only use 4 times a year.
concorduser wrote:Hi denbar and pyshic thank you very much for your input. I think dillards sending you a card by next day is extremely good service. I want to keep that card and hopefully have them upgrade it to their Amex Version then it would be more versatile to use the card. psychic have you talke to dillards and see if they would convert it to Amex. Then it might be more useful to you with the long age of the card and also being able to use it as amex.
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.