No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So with 8 new inq and a 663 score which is probably lower now with the in q I have been approved for a children's place store card, capital one cash rewards and believe it or not my first American express. I wanted the zync but was denied but I did get the starwood guest card. The only other card I have is a jcpenny card which has 80/1500. The card will be PIF the end of the month. The limits are not all that great as i have student loans and a few lates from 2 years ago. They range from 800 to 1500. Anyway i want to buy a house in about 2 years once my student debt gets down a little so I want to show that I can manage my credit correctly. So is it my understanding that when I use a card and pay all but like 10 % before the statement date then PIF before the due date? Am I understanding that correctly? How can I tell the difference between statement and due date? Thanks in advance for your help
I suggest you always PIF, I take 9% to be the threshold if needed, but I always PIF and have always recieved a credit score increase when I do so. It is better to be safe than sorry, and being totally responsible is always a safer bet.
So...quick question...On my capital one card, is my due date the same as my statement closing date?
Your due date will be sometime between 21-25 days after your statement closing date. It depends (it will say on your papers somewhere "Grace period - X amount of days") and your due date is that many days after your statement closing.
Isn't it easier to get the zync than a revolver??? What was your EX score if you don't mind sharing
@Jlu wrote:
Seems like you got your answers above. My question is how did you get an SPG and not a Zync? Did you app for the SPG first?
+1, that stuck out to me right away. how in the world did that happen?
I agree... how did that happen!
@gettnthere wrote:
@Jlu wrote:
Seems like you got your answers above. My question is how did you get an SPG and not a Zync? Did you app for the SPG first?+1, that stuck out to me right away. how in the world did that happen?