@Juan123 wrote:i'm not sure you can but no point in having all 3 when you can use them all at the stores.. i use my ON card at gap all the time.
well you got hit with 3 inq's probably when it couldve been 1 and used that 1 card on all 3 stores.... GE needs to fix that.. if you have the ON or gap card or BR card they shouldn't approve you for the other store cards...
+1
@Anonymous wrote:
@jeffery581 wrote:Is there something not good about having all 3?
Well, now you have at minimum three HP's and three new TL's that will kill your AAoA's.
All you needed was the ON Card it seems.
Even if you closed the other two now, you are still stuck with those new TL's, might as well keep them open to hep with util (assuming they report a CL)
+1
Should be independant CLI's too, nice util. hike!!!
@NikJ4 wrote:
To OP, I also got Banana, Old Navy, and Gap. I did this because they each have small limits. I didn't want one card with a small balance to use. Plus two have potential to grow into Visa's. It's YOURS to do as you wish. I say keep and enjoy them. Just my two cents.
You done took the 3 INQ's, why close them!
@Anonymous wrote:"To OP, I also got Banana, Old Navy, and Gap. I did this because they each have small limits. I didn't want one card with a small balance to use. Plus two have potential to grow into Visa's. It's YOURS to do as you wish. I say keep and enjoy them. Just my two cents."
Advive from a sub 600 score, prolly not the best
little below the belt there.......
The OP is free to handle the situation as he/she see's fit with however the contributors on this site give him/her information. There's no right/wrong answer to this.
@JustMe77 wrote:
@jeffery581 wrote:Needed some new work clothes. Approved for Old Navy, Banana Republic, GAP and American Eagle. Low Limits but Pennys and Walmart have grown with me very nice. The new Oulet Stores just opened here so it will be nice to use them. Time to garden for sure.
Yikes, opening ON, BR, and Gap? Oh well, what's done is done! If your other cards are all fairly new, it won't ruin your AAoA, and the HP's will not affect FICO in a year.
I'm really happy with my BR card. They have given generous CLIs with only SPs. Just know that if you ever get invited to 'upgrade' your BR, Gap, and ON store cards to a Visa version, that the Visa version is a brand new account (affecting AAoA once again).
Hopefully you will pay your new work clothes off ASAP, because the interest rates on the store cards (at least BR, Gap, & ON) are insane.
+1
I learned the hard way with Old Navy. PIF now.