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Valued Contributor
Posts: 1,749
Registered: ‎08-18-2007
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department store CC vs regular CC

does anyone know what counts more in the score? thanks
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: department store CC vs regular CC



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

Bank cards carry more weight.
Credit Profile:
FICO 9: EQ 835 ~ EX 832 ~ TU 829 (05-13-2017)
FICO 8: EQ 821 ~ EX 810 ~ TU 819 (05-13-2017)
FICO 8 Bankcard: EQ 844 ~ EX 840 ~ TU 845 (05-13-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 4% and dropping fast
Inqs: 1 EX (new)
13 Total Accounts on Reports: 8 open, 5 closed. No open installment accounts (soon to change)
New Member
Posts: 3
Registered: ‎08-29-2007
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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.
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Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
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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 
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