Just trying to see if it's time to apply for better cards and/or car refinance.
Background-- bk7 discharged in July, 2016. Scores were in the low 500s at discharge. Current scores are eq-631, tu 620, ex-629. They are all fico-08 scored from my 3b monitoring.
Current income is about $110,000, been at my job 4 years.
Included in bk a whole lot of medical, as well as some credit cards and car.
Capital one, nfcu, kohls, Walmart, Barclays.
Currently in my wallet--
USAA secured Amex. $0/$500
5/3 bank secured MasterCard $433/$500
Secured discover $0/$200
Kohls $0/$300
Express $0/250
Victoria's Secret $85/$250
Thrifty credit from penfed $0/$500
I use the discover a lot so I will be upgrading my deposit to the full $2500. As it is, I max it and pay it off about twice a week. Currently has about $80 on it. The 5/3 is reporting high now because I wasn't sure when it would report. It's a $0 balance now paid about two days after statement cut. Victoria is stuff my wife bought. It's also currently $0 balance.
Car loan through consumer portfolio on an 08 impala with a 21.7 rate opened day after discharge and I leased a 2017 Traverse yesterday for my wife with her 05 Sienna with a blown transmission traded in as the only down payment and a $345 payment.
With my scores and recent bk, I'm wondering if I should get something better in my rebuild As far as cards or not yet.
