@Anonymous wrote:
I think I need te most rehab of the bunch. I have 81 inquiries and 60 open accounts. Of those, 9-10 are mastercards and visas, 1 student loan, 1 auto loan and the rest a are retail cards like Macy's, JCP, Bloomingdales, kohls, target, express, etc...
I did close my Jared card after 18 months because of some fishy questions the company was asking me. I didn't feel comfortable with those questions so I closed the card the same day that I was asked. Children's place used my account due to inactivity. I had the card for twelve months and never used it. Dots credit card was closed because the company went out of business. All of the other cards remain open.
That is an awful lot of store cards. But I'm not judging--trust me, it takes everything I have to keep from applying for things. I would recommend closing any of the store cards that aren't much use to you. Cards that give you discounts or special financing at stores you shop at frequently I would keep, but everything else I would probably close once they hit the one year mark. I read somewhere (take it with a grain of salt) that too many store cards can have a negative impact on your credit. I think they said to have no more than 2 store cards for every credit card you have (or it could be the other way around, I don't remember).
I would probably lay low with the inquiries for awhile too 
@Anonymous wrote:Very good idea! When next week rolls around, it will be just one. Yep, almost made it 6 months but had a lapse with the Venture card! In Nov. I got 10 new cc's of which I probably needed 4/5. I cancelled 2 crappy ones & on the way to cancel 2 more. But I do have a "want" list for maybe Dec. or if possible, wait until June/July of 2016. It is most definitely a high when you're waiting on that spinning wheel!
See here. I had a plan! 
Now Dec. has turned into June! And that's for the couple I want besides waiting another 2yrs for CSP!
Hey increases are just fine, as long as they're soft pulls you are still considered gardening (and it gives us something to do instead of applying for new cards)... so increase away
Great idea! If I can hold my temptation long enough to research on here next time, I will. I have not joined the big dogs of having a BOA or an AMEX. They're both goals of mine to have one. I do have a discover, 2 chase cards, capital one and then some garbage cards like Merrick, First Natl Bank and Blaze. They all waived the annual fees because I explained I didn't need to pay for a credit card at this point in my credit career, lol.
best Buy is definitely a hard pull. I applied for that one two days ago and they've already been added to the inquiry list. Luckily, I got the increase.
best Buy is definitely a hard pull. I applied for that one two days ago and they've already been added to the inquiry list. Luckily, I got the increase.