Re: is it a good idea to have 3 different types
10-11-2012 08:26 AM
don't close any cards untill the AF is due. You have very new credit with low limits. If you get close a card and try replacing it you will just get another low limit card, that drives your AAoA still lower. Keep your current cards open at least 12 months. The capitol one cards will get your 1 and only one Auto CLI at 6 months. If you need more credit I would suggest you apply for a store card, something backed by GE would be a good choice they give you a CLI's every 4 months or so if you ask, in 8 months it wouldn'be surprising that it would be come your highest CL so far. Good GE cards to try for are Walmart store card, Amazon store card. JC Penny. get a card for somewhere you shop.
Wallet: FNBO DISC 11.9k Oregon Duck 5k, Chase CSP 10k, Freedom 3.3k & AMTRAK 4.6k & Slate 3.3k , AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 4.5k
Sockdrawer: Paypal Extras MC 6k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club Discover 10k, Citi HHonors Gold 6k, Discover IT 6.5k and a nice stack of store cards.
Last APP 12/21//2013 no plans for new credit I think I have enough.