Looking for store branded card with low scores TU pull

[Creditaddict]

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@CostantinoA wrote:

I understand that!  I am willing to put stuff at new stores in order to build credit.  I make over 75k a year and my bills are only a few hundred a month.

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All the new accounts will keep you from the bigger better cards in the beginning usually.

I mean I tend to not be a great example with how many accounts I have but looking at what you have unless you can turn it into a BIG line than it's not going to help you.

Jcrew - ONLY if you can get it to pop up in shopping cart trick.

Lowes - your border but because of your walmart and amazon have a chance.

Those are it! GARDEN...

Honestly I would close the cards that are costing you a lot... you don't need more lines to build your credit, you need higher lines... so keeping cards that not only are low but cost a lot are reverse of what you need if you ask me.

I would do away with the discover AU ($200?)

OpenSky - isn't that secured? CLOSE

First Savings - Isn't that secured? CLOSE

Mid American - I know that's secured or expensive - CLOSE

Now your starting to look cleaned up and have a higher percentage of cards with higher CL's

[Anonymous]

You can also go to Credit pull Database that stores the various cards and you can sort by Credit bureau to know what credit grantors pull for their offers.   it's good information to have available.   Build your credit how you see fit, I opened a few accounts with nice SL that will ultimately decrease my utilization which will definitely increase my credit score. 

[Anonymous]

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@Creditaddict wrote:

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@CostantinoA wrote:

I understand that!  I am willing to put stuff at new stores in order to build credit.  I make over 75k a year and my bills are only a few hundred a month.

---

All the new accounts will keep you from the bigger better cards in the beginning usually.

I mean I tend to not be a great example with how many accounts I have but looking at what you have unless you can turn it into a BIG line than it's not going to help you.

Jcrew - ONLY if you can get it to pop up in shopping cart trick.

Lowes - your border but because of your walmart and amazon have a chance.

Those are it! GARDEN...

Honestly I would close the cards that are costing you a lot... you don't need more lines to build your credit, you need higher lines... so keeping cards that not only are low but cost a lot are reverse of what you need if you ask me.

I would do away with the discover AU ($200?)

OpenSky - isn't that secured? CLOSE

First Savings - Isn't that secured? CLOSE

Mid American - I know that's secured or expensive - CLOSE

Now your starting to look cleaned up and have a higher percentage of cards with higher CL's

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Man, if CA is telling you to garden you better do it. 

[Anonymous]

You've got some decent cards already, let them age.  It looks like you have 3 store cards already, I'd say that's more than enough, especially considering Walmart and Amazon have the best chances for growth if you play your cards right. (no pun intended!)

I would also start looking at whittling down some of the lower end cards and start shooting for some heavy hitters like Chase, Amex and a few others.