I only had 2 credit cards for 11 years, after getting screwed over by so called "friend" my credit is in dump and I needed lots of credit repairing.
few months ago I finally decided to do something about it,and searched ways to fix credit. well one area that I had to fix was credit uility, 2 credit card with 300cl and 3600cl, put me in bad score, so I applied 4 credit cards, approved by capital one quicksilverone and barclaycard rewards, and rejected by chase freedom and sappire (luckily they didn't do hard pull on them). I figured those are enough cards for me now so I wasn't gonna apply anymore buttttttttt... read about nasa fu card on this forum and decided to give it a shot for higher cl card, and now I have to wait for the result (i really hope they don't hp)
fico score according to discover/barclay, it's 658 and one serious derogatory, and 3 hp on records, I think I should garden (?) current cards until i get higher credit score, then apply for the better reward cards I want.
