@alexak wrote:Thanks for the advice!
My util is around 10-15% without my moms card, so I may just have her take me off. not sure yet though because the age is helping my AoAA.
I will try to recon both later today/ tomorrow. Doesnt hurt I guess since the HP has already hit.
it's probably helping you a lot more, but you should focus on getting your current credit limits higher first. Remember Citi Forward is considered a Prime card that requires Excellent credit. I doubt many companies would approve you from a personal CL max of $300's to several thousands overnight. If those are secured cards keep adding balances to it, try to keep your reporting utility to 2% on only 1 card, everything else at 0% is a trick that makes Fico scores happy.
but don't remove your mom's account imo. Just keep feeding your secured cards (i'm assuming they are) and when your mom pays down her cards, or you can feed your secured cards enough to overwhelm her debt you'll be in good territory.
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I would love to just stick to my cards but... with cap 1 and orchard. they wont move. Cap1 i get my credit steps CLI in Jan i believe. My VS i'll ask for a CLI in a couple of months. None of them are secured either. I applied for the student card because I am a student, figuring they may be a bit more lenient... guess not! 
Orchard will be a year old in January, Cap 1 is 6 months old and VS (opened via SP) is about 2 months old. I have two closed cards paid off (the ones with the lates): BofA was my first card (oct 2007) with a limit of 1500 and then cap 1 was opened in 2010 witha $300 limit. I was stupid and knew nothing about credit so I closed them and paid them off that way. 
Im thinking about applying for Discover More in January after I pay all of my balances off so all that reporting is my moms card with a balance. I used their pre-approval thing on their website and they said that the More is a match to me... so well see.
