@murat wrote:
I check it sometimes and it comes out with no hassle cash back card but i have a capital one already.i want store card like walmart target.also if you have an orchard bank card do they approve you for best buy card?
Murat, if you apply for too many cards, it will actually make your credit score drop even more. This will make it even harder to get a new card.FICO keeps track of how many credit card companies you apply to and seeing many applications makes them think you are desperate for credit. I will highly recommend waiting a few more months before you apply.
In order to maximize your chances of getting a store card, use at least one of the cards you have every month. Make your payments on time. This is the most important contribution to your FICO score. It is better to pay MOST of your balance on your statement due date but not ALL of it. For example if your balance is $100, pay $80 and leave a $20 balance. FICO likes to see that you are using your card. However, you need to keep your utilization low- only let a balance of less than 10% of your credit limit report.
Do those things and spend time on this board and I promise you will be in a much better shape to get more credit extended to you in three months!
BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)
Experian 835 Transunion 828-- August 2018
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