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department store CC vs regular CC

Valued Contributor

department store CC vs regular CC

does anyone know what counts more in the score? thanks
Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: department store CC vs regular CC



oracles wrote:
does anyone know what counts more in the score? thanks

Bank cards carry more weight.
Message 2 of 4
New Member

Re: department store CC vs regular CC

Remember that department store cards are issued by banks as well, so the issue is the retail store cards vs. MAJOR credit cards. In my opinion, they are the same because credit is credit. Both accounts are on file with the credit bureau, depending on which bureau it is.
Message 3 of 4
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Super Contributor

Re: department store CC vs regular CC



oracles wrote:
does anyone know what counts more in the score? thanks

It is the general opinion here that a CC that can be used anywhere carries more FICO weight than a store card that can only be used in the store.  FICO also seems to like people to have one of each, plus some installment loans 
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 4 of 4