I want another Credit Card! Help!

[kobe81]

I really want to get a credit card with a high credit limit.

I already have a ATT CITI with $15,000

Also have 3 Bank Of America's with a total of $15,500

Also have HSBC with $900, CAP with $750, and a Chase coming to me with a $5,000 dollar CL.

I want to get rid of my two Cap's, and HSBC, and get one more really good credit card, with a high limit.

What should I do, and which card should I apply for.

Thanks.

PS- I'm not going after AMEX and Discover. They always turn me down.

[Red1Blue]

Why not go with one more Citi Card. They seems to be generous with CL and since you already have a citi card you should be able to get another card easily from them. You can also try BOA.

[kobe81]

Concord,

I'm having trouble with getting an more credit with BOA.

With CITI, I don't know if I should apply again. I think I have to wait 60 days or something right?

[kobe81]

BTW, I think I'm going crazy...It's every since I got my BOA with a 5,000 limit on it after having a Credit One CC.

[Anonymous]

I 2nd another Citi, local CU or go for a store card you might have a need for purchases.  Lowes, HD, BestBuy, Macys, etc.    Be sure not to close those Cap1/HSBC accts if they are giving you long history.  Just use every 6 months to keep em active.

[techgirl]

Can you consolidate your BoA cards into one with a larger limit?  That way no inquiries.... Then go for your dream card? What is your scores like?

[kobe81]

My scores as of 3/4/08 are

TU-641 EQ-604 EX-647

I really killed it last month by applying for everything that said "APPLY NOW", but i'm hoping my next report shows better shows, because have paid more than the min.

[kobe81]

techgirl,

what should i do...throw all my balances on to my citi card? i dont know if that's going to work to get me a high limit.

[Red1Blue]

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kobe81 wrote:

Concord,

I'm having trouble with getting an more credit with BOA.

With CITI, I don't know if I should apply again. I think I have to wait 60 days or something right?

---

I applied for 2 citi cards in 2 days and got approved for both cards. I dont think you have to wait. If you have another citi card I think approval is much easier. Just like Amex they have a short app for the present citi card holders. 

[kobe81]

concord,

will they do a hard pull on my CR? i dont know what to do...i've been holding back from applying.....but...