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Dont mean to thread jack but this is somewhat on the subject =) I'm trying to rebuild my credit and get higher limits, should I SD most of my cards or continue to use them in the hopes it helps with CLIs down the road?
I have SD:
Discover, .Znyc, Penfed Plati Reward (because of BT)
Using:
Freedom (gas), BCP(groceries), Cash+(phone, internet & Amazon), Salie Mae (walmart & target) & BOA better balance (toll, to get 25 reward every 3 months)
Can you consider a card SD if you don't carry it with you and only use it to pay bills and PIF?
Let's see, I have SD the following:
Victoria's Secret, Catherines, Avenue, JCP, Genisys Visa, Barclay's, DCU Visa, NFCU Visa & MC, Sears, HSN, Wally's, Amazon & SDFCU. Actually Amazon and NFCU have a balance that I am paying down now so they will be in the SD till 2014.
The only two that I use quite frequently now are Freedom and Discover, but if Discover doesn't give me a higher CL soon it will be SD as well. My spending pattern is too high compared to that CL which means I would have to pay more often. So even though I carry it I use it sparingly.
My kays card i sock drawered once before for 8mo, and they raised my limit from $400 starting to $1100 =) so maybe some of them it would help, put them up for 6mo (PIF first) then when you get them back out to use them call and ask for a CLI??? might be worth it! tell the customer service rep you haven't used it in so long due to the low credit limit lol
I tried to do it with Kay as well, they said I had to visit the store and take a HP
My SD is quite full at the moment:
Kay's
Macy's
Gordman's
Best Buy
Capital One
Chase Freedom
The only card's I really use are Discover for gas, and NFCU for everything else
I am carrying Discover IT (gas) and will carry AMEX BCE and BOA 123 (when they arrive) just to put some initial work in on those cards then SD one of them. I will also use AMEX Gold Delta for some upcoming travel arrangements but won't "carry it".
In the SD:
Chase Freedom
Cap 1 Venture 1 (likely forever SD)
Lane Bryant
Macys
Belk
HH Gregg
Care Credit