Ten Credit Cards, Close some ?

[Anonymous]

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@Anonymous wrote:

Thanks ! My goal is to get above 700, not sure when that will happen. But I've learned my lesson on letting things get too much. 

If I remember correctly I know I included tj max, cap 1, Firestone, JCP, Kay Jewlers, a CU Card, and I know some others that I can't remember. 

mayebe I should just get rid of credit oNe for now, when I pay it off this month I will not be using it and I don't feel like paying the 8.25 a month for it to sit there 

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Ok, so it sounds like you burned CapOne, Comenity, CFNA, but not the prime players like Amex, Chase, Disco, US Bank, BoA, Discover, and Citi. That's good. Yes, CapOne is a major player but they're also incredibly forgiving as you've seen. These others are not. You have a lot of high-end possibilities for your continued build.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Thanks ! My goal is to get above 700, not sure when that will happen. But I've learned my lesson on letting things get too much. 

If I remember correctly I know I included tj max, cap 1, Firestone, JCP, Kay Jewlers, a CU Card, and I know some others that I can't remember. 

mayebe I should just get rid of credit oNe for now, when I pay it off this month I will not be using it and I don't feel like paying the 8.25 a month for it to sit there 

---

Ok, so it sounds like you burned CapOne, Comenity, CFNA, but not the prime players like Amex, Chase, Disco, US Bank, BoA, Discover, and Citi. That's good. Yes, CapOne is a major player but they're also incredibly forgiving as you've seen. These others are not. You have a lot of high-end possibilities for your continued build.

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Now that I remember, I did burn chase but no others. I have tried to apply for CITI AAA card and got denied. I do want another CC from one of the major companies but I guess it's too soon to try other than maybe discover 

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@Anonymous wrote:

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@Anonymous wrote:

Thanks ! My goal is to get above 700, not sure when that will happen. But I've learned my lesson on letting things get too much. 

If I remember correctly I know I included tj max, cap 1, Firestone, JCP, Kay Jewlers, a CU Card, and I know some others that I can't remember. 

mayebe I should just get rid of credit oNe for now, when I pay it off this month I will not be using it and I don't feel like paying the 8.25 a month for it to sit there 

---

Ok, so it sounds like you burned CapOne, Comenity, CFNA, but not the prime players like Amex, Chase, Disco, US Bank, BoA, Discover, and Citi. That's good. Yes, CapOne is a major player but they're also incredibly forgiving as you've seen. These others are not. You have a lot of high-end possibilities for your continued build.

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[Anonymous]

It'll take more time. I've heard recently that Citi is like Chase - no approval with a BK showing on your records. Amex is 61 months after filing, and the others each have their own rules as well.

[recoveringfrombk7]

Have you tried to upgrade the QS1 to a QS?  You lose the AF that way.

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

[Anonymous]

My QS1 card doesn't have a AF. 
I thought it was suppose to have one when I upgraded from the platinum card but I've checked and it doesn't have one 

But they have gave me multiple CLI last one was in March so I'm hoping for another app or again in September 

[recoveringfrombk7]

It's probably just a QS then?  Either way no AF is all that matters!

[Anonymous]

I'm thinking of pushing my luck after closing the Credit One account and trying for another Cap 1 card pr Disocver but not sure if its worth the hard pull ??