I closed on the house in Sept with one open cc, a secured cap1 card. 2 days after closing, I apped for Walmart, Home Depot, Lowes, US Bank, and Old Navy. I was approved for Walmart and Home Depot. I have 18 months perfect payment history on the cap1 card and 6 months perfect payment on Walmart and Home Depot. Mortgage is reporting 4 months of payments for one bureau and one month for the other 2. I literally was approved for every single line of credit BUT Overstock, and I have shopped with them regularly for almost 10 years... Such a bummer. i wonder if I can do a recon?? Then again, I have a nice set of cards to work with. Have my emergency card, my reward card, my misc card, and then cards for each store I shop at (except Overstock, of course)... And honestly, I prefer the smaller limits. I only use about $500/mo for credit aside from birthdays and Christmas... And that's max. I prefer spending only what I could pay in full and have only paid the minimum payment once on a card. I usually throw a couple hundred on the cards and never pay interest.
My household income is just about 30k, you know... If I am getting child support regularly. Mortgage payment is $355/mo, owe 51k on a $53075 loan. Just don't know...
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200