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how often?

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afbar1114
Valued Contributor

how often?

I am only using chase and zync now..how often should i use these cards so i dont get a cld or closed by bank:
Kohls
No hassle
Cap1
Home depot
Walmart
Jared
Bby store card

Does a hp on slate during gardening count?
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 11
10 REPLIES 10
pizzadude
Credit Mentor

Re: how often?

If you want to be safe you should probably use them once every 3 months or so.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 11
jamesdwi
Valued Contributor

Re: how often?


@pizzadude wrote:
If you want to be safe you should probably use them once every 3 months or so.

+10

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 3 of 11
Chris123nTx
Established Contributor

Re: how often?

Dont think anyone here keeps count of who does what when. As adults, we all get to decide what is right for ourselves, so no worries over what counts or doesnt.

As always, just my opinion.
Message 4 of 11
Repo-ed
Senior Contributor

Re: how often?


@afbar1114 wrote:
Does a hp on slate during gardening count?


Yes.  That would not be considered gardening.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 5 of 11
Anonymous
Not applicable

Re: how often?


@Repo-ed wrote:

@afbar1114 wrote:
Does a hp on slate during gardening count?


Yes.  That would not be considered gardening.


Im assuming the HP would be for a CLI increase. Wouldnt that be growing the little sprout into a beautiful sunflower?

Message 6 of 11
afbar1114
Valued Contributor

Re: how often?

Ok so does it count or not and yes its for a cli
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 7 of 11
Anonymous
Not applicable

Re: how often?


@afbar1114 wrote:
Ok so does it count or not and yes its for a cli

 

No, you're not in gardening mode if you take a HP for a CLI. I realize that you'd be trying to grow the account, but the inq would stick around for 2 years.

Message 8 of 11
LS2982
Mega Contributor

Re: how often?


@Anonymous wrote:

@afbar1114 wrote:
Ok so does it count or not and yes its for a cli

 

No, you're not in gardening mode if you take a HP for a CLI. I realize that you'd be trying to grow the account, but the inq would stick around for 2 years.


+1

 

NO INQ'S FOR YOU!!!!! Smiley Very Happy




EQ FICO 548 3/3/16
Message 9 of 11
Repo-ed
Senior Contributor

Re: how often?

SP for CLI would still be considered "gardening" Smiley Happy

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 10 of 11
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