Re: Barclay Itunes Denied
09-21-2011 07:28 AM
Congrats on the Walmart card! I like 'em fine. And they're offering FICO TU scores monthly - a plus.
Remember creditors look at your entire credit report. Do you have any baddies on the report besides the BK? They look at the whole picture.
Sounds like you're working hard to rebuild - congrats to you again on the Walmart card! Remember GEMB tends to do CLI's after every fourth statement hits if you request one, so they can be a great card for building CL's.
Have you considered closing Orchard? The Cap One fits the FICO code for a bank card, and your Wally card will do you good. No need to keep Orchard open at this time unless you want to. IMO and IME, there's no magic in having three cards rather than two at this point -- I'm thinking this way because of DH and my experiences in rebuilding. That third card didn't bring FICO points to either one of us - of course YMMV. Just sayin' you have options there. (I closed my Orchard as soon as I opened a second bank card - you don't need two.) And if you truly feel the need to have three revolvers (I don't) consider a second GEMB merchant card. They'll have no AF's and they do tend to grow CL's nicely. Maybe rest the app button since you've gotten the message that you have a lot of inquiries, and consider what will work best for you in 6-12 months.