@Anonymous wrote:
@LS2982 wrote:
@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.
there's no right/wrong answer to whether or not borrowing money at 20% apr+ to buy clothes is a good idea?
No there isn't. If you PIF every month APR means nothing. And with better credit you can negotiate lower rates.
And the bottom line is it is up to the person applying for the card to decide if it is right or wrong for them.
@Anonymous wrote:"
No there isn't. If you PIF every month APR means nothing. And with better credit you can negotiate lower rates.
And the bottom line is it is up to the person applying for the card to decide if it is right or wrong for them."
This forum is for advice, and sorry i gave my advice . But yes there is a right and wrong way!! Most people dont understand credit and the way it works so they come to this site to enlighten themselves. And what i said earlier was the right way!!!! But you are right they can do as they choose, and that is what i sai Go apply to a 100 toy cards have fun!!! Sorry I was trying to give you helpful advice, but follow everyone who says apply do what you want, because ultimately you can do what you want. But get this, there is always a wrong way to do something. You got the 3 cards now, so keep em, but in the future be careful, the small limit cards will keep you from getting big limits. How do I know? Cause i listened to everyone on Myfico.com tell me to apply, apply, apply , apply!! So i too had 30 toy cards and not a single good one. Once i found some info from another board i learned a little more and now i have 9 cc with available credit over 50,000. So yes there is a right way and a wrong way once again!!!
It all depends on what your file looks like. Your going to get toy limit cards if you have nothing else supporting you to get higher limite. Thats why to let them age and get CLI's over time and when the time is right you apply for better cards. The OP didn't know that 1 card can do the same as all 3.
This forum is for advice that helps people, not belittle them and make them feel small because of their scores.
Nobody held a gun to your head and told you to app, you chose to. You live with those consequences. And you learn.
There are easier ways to gain higher limits with thin files. Get a secured card and make a large deposit and let it age. Probably one of the easiest way's out there.
@Anonymous wrote:I never belittled the op. Go back and read the posts again. I informed the op the advice from someone was probably not the best and used saids person score as my reasoning. I didnt call the person a loser or demean them. Just informed the op was given bad advice, which sometimes its better to inform someone they were given bad advice, but i guess thats wrong too. Sorry sub 600 score is so demeaning to all of you, truth hurts, get off my back
If you can't see how that post was demeaning to the poster you was talking about then there's no need to talk about it futher. Your set in your ways and it's obvious you don't feel like it's offensive but if you read their reply they took it offensively. Just saying.
@haulingthescoreup wrote:There's plenty of advice on this board to be smart, shine up your reports, and carefully research and think through what you reply for.
Just because someone chooses to jump on an appaholic bandwagon doesn't mean that there isn't plenty of good advice here. You have to use your brain and evaluate the advice, from here or from any other site.
+1
I'm guilty of this as well, but I learned from my mistakes.