1) Yes it 'could' effect your Steps status or any other status with the specific lender.
However, as it's an in-house issue it generally won't effect outside stuff like FICO credit scoring but it isn't something you want to mess with
2) I know you have been sold a bill of goods differently but DO NOT attempt to actually use these building block training wheel CL level CCs as 'real' CCs
Because they just are NOT, just as you said they don't 'help' much
That's NOT their purpose, friend
Again, you must reprogram your thinking as to what a rebuilder cards PURPOSE is
The ONLY thing those cards should be used for is to show a tank of gas worth of use on one account with the rest showing zero
Such that the scoring model reads 3 paid as agreed TLs with sub 10% usage over time....that is it, PERIOD
Otherwise those cards have ZERO other purpose
Buy ish with your debit card, cash, barter I don't give a freak but if your goal is to build a credit profile STOP using the darn cards
The GOAL at this stage of the game is P.R.
and you need to control what gets reported to the scoring model and remember what she likes and how she scores
The GOAL is to stroke the SCORE
You can get the cards and limits you want later AFTER the score and history as been carefully manipulated by YOU!
The model wants to see
On-time and low % ...give it what it wants
Play the video game 8-10 months allowing
3 accounts to show 30/30 on, on-time opportunities and low usage, while juggling multiple accounts
And the NEXT approvals will be based upon higher matured scores with better terms and lower % rates
Or keep playing Checkers in this Chess game and allow them to beat you
It's your choice
