Question about having the right mix

[Anonymous]

Hi everyone,

I am new to the forum and have a question about the right credit mix. I have two orchard bank cards, one master and the other visa, a capital one card, and a car loan. Is this a good mix or should I add some other type of card?

[Anonymous]

You need a store card, something without a visa/mastercard logo on it.

[Anonymous]

Okay, will do. Thanks!

[Anonymous]

Hey, one more thing. Do you have any advise on which store I should go to?

[Anonymous]

I have read on this forum that people recently were approved for Target store cards.

[oracles]

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@Anonymous wrote:
Hey, one more thing. Do you have any advise on which store I should go to?

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What are your scores? What baddies do you have on your report? The best store card to have is one in which you will use it. Nothing is worst than to have a card that you rarely use because you do not shop there. You will need to purchase something at least every 3-6 months to keep the card active and to force yourself to buy somethig that you would normally not buy because you do not shop there is a huge headache.

What stores do you shop at?

[Anonymous]

hey thanks, 686TU...674EX.....673EQ. I have 3 charge offs from 03. Nothing since then. Trying to get into the 700 club

[oracles]

what stores do you shop at regularly that have store cards?

Macys is a very good store that will approve you, but again, do you shop there?

[Anonymous]

I don't really shop anywhere, so to me it doesn't matter.  I just want to be approved and I will go there to buy something.

[oracles]

If there is a macys around you, then i think your best bet is to apply for one. YMMV

Macys is pretty good at approving.

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