Where to go from here?

[Anonymous]

I have a good credit report, no late payments or anything like that.

I have a Car Loan that I will have paid off in August (really early). Two (or three?) credit cards, one is a Citi Platinum Card, a Lane Bryant card (that I will be closing, and has only been opened a short period of time) and a Paypal Business Card.  I also have MANY student loans that will be pout of grace period in June.

I want to build my credit score and get a good rewards card. My APR on my Citi card is at 9.240% and all cards have a zero balance. 

BTW, what is gardening? 

[LS2982]

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@Anonymous wrote:

I have a good credit report, no late payments or anything like that.

I have a Car Loan that I will have paid off in August (really early). Two (or three?) credit cards, one is a Citi Platinum Card, a Lane Bryant card (that I will be closing, and has only been opened a short period of time) and a Paypal Business Card.  I also have MANY student loans that will be pout of grace period in June.

I want to build my credit score and get a good rewards card. My APR on my Citi card is at 9.240% and all cards have a zero balance. 

BTW, what is gardening? 

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Gardening is taking a stand to no apps and letting your accounts grow and gain positive history while gaining CLI's and letting INQ's fall off.

And welcome to the forums!!!!

[jamesdwi]

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@Anonymous wrote:

I have a good credit report, no late payments or anything like that.

I have a Car Loan that I will have paid off in August (really early). Two (or three?) credit cards, one is a Citi Platinum Card, a Lane Bryant card (that I will be closing, and has only been opened a short period of time) and a Paypal Business Card.  I also have MANY student loans that will be pout of grace period in June.

I want to build my credit score and get a good rewards card. My APR on my Citi card is at 9.240% and all cards have a zero balance. 

BTW, what is gardening? 

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I would advise against closing the Lane Bryant card, it has no Annual Fee, and let it grow, even if i lives in the sock drawer. it will help your Average Age of Account and will add a bit to your Utilization score, Closing it can only hurt. If you don't use it they may close it anyway. But either way it helps your credit file. 

[Anonymous]

Welcome.

What rewards card are you thinking about?  Amex Blue Cash Express (BCE)? (1/2/3% cash back)

Your Score is solid although many like amex are inquiry sensitive and they like to see solid AAoA (Average Age of Accounts) and low Utilization.

[LS2982]

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@jamesdwi wrote:

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@Anonymous wrote:

I have a good credit report, no late payments or anything like that.

I have a Car Loan that I will have paid off in August (really early). Two (or three?) credit cards, one is a Citi Platinum Card, a Lane Bryant card (that I will be closing, and has only been opened a short period of time) and a Paypal Business Card.  I also have MANY student loans that will be pout of grace period in June.

I want to build my credit score and get a good rewards card. My APR on my Citi card is at 9.240% and all cards have a zero balance. 

BTW, what is gardening? 

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I would advise against closing the Lane Bryant card, it has no Annual Fee, and let it grow, even if i lives in the sock drawer. it will help your Average Age of Account and will add a bit to your Utilization score, Closing it can only hurt. If you don't use it they may close it anyway. But either way it helps your credit file. 

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+1

[Anonymous]

I honestly have no idea. I would like a card to soley use for gas purchases and pay off montly. 

I've had my Citi card for a few years...I want to say since 2008. My Lane Bryant card I just got last year. I had a Discover card back in 06 for a few years...no late problems or anything, but for some reason I closed it! Now finding out how stupid of me that was. 

What is the best place to monitor your credit score & find out what's on it? I need to figure out where all my student loans are. I use Credit Karma right now just to kinda see where I stand. And I checked myfico today with the free trial, got the score, but that's all I saw. 

[Anonymous]

What's a CLI & how do I find out how many Inquires I have?

[jamesdwi]

CLI == Credit Limit Increase  

check out http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458  it will help you make sense of the alphabet soup everyone here seems to type constantly   

[Anonymous]

Should I request a CLI on my Citi Card? It has been a looooooooong time since I've asked for one. My current credit limit is $6,780 for my citi card. My LB card is at 1000, but I'm just going to stick it in my Sock drawer.

Forgot to mention. I had a Care Credit Card, never used it and they closed it last year. 

Edit: You can tell them how  much you'd like it to increase, and then you enter how much you  make a year. 

How  much of a request should I ask for?

[LS2982]

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@Anonymous wrote:

I honestly have no idea. I would like a card to soley use for gas purchases and pay off montly. 

I've had my Citi card for a few years...I want to say since 2008. My Lane Bryant card I just got last year. I had a Discover card back in 06 for a few years...no late problems or anything, but for some reason I closed it! Now finding out how stupid of me that was. 

What is the best place to monitor your credit score & find out what's on it? I need to figure out where all my student loans are. I use Credit Karma right now just to kinda see where I stand. And I checked myfico today with the free trial, got the score, but that's all I saw. 

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I would recommend TU truecredit, free daily TU pull and every 30 days 3 bureau pull free for $14.95 monthly