topic Re: Question for you guys and gals that have been around these forums a while in Credit Cards

Question for you guys and gals that have been around these forums a while

Neverknewaboutcredit — Sun, 01 Feb 2015 15:13:02 GMT

My Father in Law has helped me work my way back from a Bk, he opened the AU accounts Listed below for me to use and rebuild I controlled the accounts, made all charges and payments, and they all report limits and usage to all three CRA's. It has helped me a lot and I would like to have him close all the AU accounts but don't know if it will affect my scores, thats the last thing I want at this time. I also have some joint accounts with my wife and my own accounts as well, I would like to have a daily use card and a backup card in my pocket only so if you guys can look over my cards below and offer advice it be appropriated , It very hard to garden around this place but I'm going under for quite a while, wish me luck

Re: Question for you guys and gals that have been around these forums a while

Anonymous — Sun, 01 Feb 2015 15:15:35 GMT

Can't see them, on mobile.

Re: Question for you guys and gals that have been around these forums a while

Creditaddict — Sun, 01 Feb 2015 15:18:20 GMT

As long as your util is down than closing out the cards shouldn't hurt you much.

I would possibly try to get your own American Express Revolving account and then you would for sure be set when he closes out the 2 your AU on.

Re: Question for you guys and gals that have been around these forums a while

Anonymous — Sun, 01 Feb 2015 15:21:52 GMT

(AU) Amex green NPSL,Amex Delta $12k,Home Depot $10K
(Joint) Cap1 Menards $5.5k,Sync Lowes 15k,WrightPatt CU $10k
(Individual) Amex Business Green NPSL, Cap1 Business Spark $4.5k
Sync Lowes $5k, Barclay Arrival $2.1k, Sync WalMart 1.9k, GECU $5k,
Cap1 QS $3k, Venture $10k

OP list. Unless closing the AU accounts spikes your utilization I think your fine

Re: Question for you guys and gals that have been around these forums a while

youdontkillmoney — Sun, 01 Feb 2015 15:22:24 GMT

That's terrific, it is sort of you have "graduated" and can start on your own wihout AU cards, he should be happy for you. Thank him tremendously.

Re: Question for you guys and gals that have been around these forums a while

Anonymous — Sun, 01 Feb 2015 15:22:51 GMT

I agree with CA. I would take a look at either the Blue cash or EveryDay cards depending on your rewards preference.

Re: Question for you guys and gals that have been around these forums a while

Anonymous — Sun, 01 Feb 2015 15:26:33 GMT

@HF, thanks.

Agreed on your suggestion as well.

Re: Question for you guys and gals that have been around these forums a while

Neverknewaboutcredit — Sun, 01 Feb 2015 15:28:40 GMT

I have my own amex account but it's a business card and don't show on personal reports, I have tried over and over for a ind amex with no luck so off to the garden I go for a long time, any advice on what I should use as a daily card?