Is there anything left for me out there

[Anonymous]

So i currently have the following

2 cap 1 qs 2k and 3k limit

1 psn cap 1 600 limit

barclays 1k limit

bank of america 1k limit

best buy 500 limit

walmart 1100 limit

target 1100 limit

amazon 1900 limit

merrick 1100 limit

chase freedom 500 limit

chase amazon 500 limit

first savings 350 limit

blaze 350 limit

legacy 350 limit

surge 350 limit 

verve 350 limit

fingerhut 1600 limit

gettington 500 limit 

wards 500 limit

im based in ny so that eliminates stuff like total

i have 2 charged off cards 1 first premier 1 credit one both were stolen cards i have a wildly fluctuating score ranging from 520 to 600 at last check was in the high end of the range i also have a heavy dose of inquires hanging on my account from the last big credit card acquiring spree that will fall off in the next year

im just wondering if there is anything left for me to apply for before i start shaving off accounts and spiking my score

[Anonymous]

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@Anonymous wrote:

So i currently have the following

2 cap 1 qs 2k and 3k limit

1 psn cap 1 600 limit

barclays 1k limit

bank of america 1k limit

best buy 500 limit

walmart 1100 limit

target 1100 limit

amazon 1900 limit

merrick 1100 limit

chase freedom 500 limit

chase amazon 500 limit

first savings 350 limit

blaze 350 limit

legacy 350 limit

surge 350 limit 

verve 350 limit

fingerhut 1600 limit

gettington 500 limit 

wards 500 limit

im based in ny so that eliminates stuff like total

i have 2 charged off cards 1 first premier 1 credit one both were stolen cards i have a wildly fluctuating score ranging from 520 to 600 at last check was in the high end of the range i also have a heavy dose of inquires hanging on my account from the last big credit card acquiring spree that will fall off in the next year

im just wondering if there is anything left for me to apply for before i start shaving off accounts and spiking my score

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I think you have the right idea in shaving off some smaller limit accounts and gardening what you have. Good luck!

[Anonymous]

No Citi, Discover, Amex?  If no luck on prequal, shore up and garden.

[takeshi74]

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@Anonymous wrote:

im just wondering if there is anything left for me to apply for before i start shaving off accounts and spiking my score

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You'd need to give us a better idea of what you need/want if you want recommendations.  Selecting cards isn't just about the cards themselves but what specifically suits you.

That said, with your low limits and scores I wouldn't advise applying for anything.  Idenitify and address the issues with your credit profile.  Then apply if there are cards that suit your needs/wants.

[jbsea]

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@Anonymous wrote:

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@Anonymous wrote:

So i currently have the following

2 cap 1 qs 2k and 3k limit

1 psn cap 1 600 limit

barclays 1k limit

bank of america 1k limit

best buy 500 limit

walmart 1100 limit

target 1100 limit

amazon 1900 limit

merrick 1100 limit

chase freedom 500 limit

chase amazon 500 limit

first savings 350 limit

blaze 350 limit

legacy 350 limit

surge 350 limit 

verve 350 limit

fingerhut 1600 limit

gettington 500 limit 

wards 500 limit

im based in ny so that eliminates stuff like total

i have 2 charged off cards 1 first premier 1 credit one both were stolen cards i have a wildly fluctuating score ranging from 520 to 600 at last check was in the high end of the range i also have a heavy dose of inquires hanging on my account from the last big credit card acquiring spree that will fall off in the next year

im just wondering if there is anything left for me to apply for before i start shaving off accounts and spiking my score

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I think you have the right idea in shaving off some smaller limit accounts and gardening what you have. Good luck!

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You have a lot accounts and way more then enough to help your score.  The ones in red I would get rid of after you have had rhem for a year.  They are not going to help you much and you have to pay a lot to use them.  Store cards I'm against and I have two.  I will be getting rid of mine when they hit the year mark.  I Think that you should garden for a long time and let these grow and let all your inq fall off before trying to get more credit.  Otherwise you will always be stuck with low credit limits.

[CYBERSAM]

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@Anonymous wrote:

So i currently have the following

2 cap 1 qs 2k and 3k limit

1 psn cap 1 600 limit

barclays 1k limit

bank of america 1k limit

best buy 500 limit

walmart 1100 limit

target 1100 limit

amazon 1900 limit

merrick 1100 limit

chase freedom 500 limit

chase amazon 500 limit

first savings 350 limit

blaze 350 limit

legacy 350 limit

surge 350 limit 

verve 350 limit

fingerhut 1600 limit

gettington 500 limit 

wards 500 limit

im based in ny so that eliminates stuff like total

i have 2 charged off cards 1 first premier 1 credit one both were stolen cards i have a wildly fluctuating score ranging from 520 to 600 at last check was in the high end of the range i also have a heavy dose of inquires hanging on my account from the last big credit card acquiring spree that will fall off in the next year

im just wondering if there is anything left for me to apply for before i start shaving off accounts and spiking my score

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Given the fact your score is lower then it should be due to having/going for too many cards, I would say STOP apping!

Having too many account is going to prevent you from getting any good CCs and as you see most the CL that you got, are at minimum qualification limit. You need to STOP for about 2 years,  so your inqs eventually go away!

Also as jbsea said, close and consolidate as many as you can! Go down to 5 accounts that can help you grow!

Come join us in the Garden Club

[Anonymous]

My impression from reading around was that inquiries don't count much against you after one year, unless the Chase 5/24 rule is coming into play.

[jbsea]

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@Anonymous wrote:

My impression from reading around was that inquiries don't count much against you after one year, unless the Chase 5/24 rule is coming into play.

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Points wise it will not hurt you after a year... But they do not fall off your report for two years.  When you have a profile like OP then it might make a difference when they are apping for new cards.  Low scores with low limits on ones that they do have will not help get approved for better cards.  As of right now I do not believe that OP can be approved for Citi or Amex or any other prime cards.  So OP needs to stop apping and garden for awhile.  While in the garden get rid of some of the cards that are not helpful to credit growth.

[Kevin86475391]

I agree, it's time to hit the garden. Gradually trim away cards you don't need/want and focus on slowly increasing credit limits, managing utilization, and making timely payments.