No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Last month I got killed with a 90% utilization reporting on my Cap1 card. Tomorrow my new statement finally generates. I'll have a ZERO balance I dropped like 40 points from this last month and I'm hoping to regain most of them back (had some new accounts also hit so not sure how much was from UTIL vs. new accounts). I'll update yall in a couple days after it reports to EQ (should have SW alert by Friday). Then I have to wait till Nov for 5 years post last 90 day late. Then in Dec it will be 2 years since last 30 day late on another account and my Cap1 and WF secured cards will be 6 months old.
I should have some nice positive gains in the next 45 days. Still trying to GW Verizon but not holding breath. Im pretty much done with SM accounts and that only leaves my Cap1 auto which will probably be there for a long time to come. (1 year anniversary since last late will be March 2013 )
You're still kicking it hard!!! Keep going buddy!
Hopefully your 'drapping' didn't cause any heartburn.
I only lost 0.2 off my AAoA with my app spree. I got 5 new accounts but two of them are backdated to 1993. My AAoA prior to spree was 10.1 and now its 9.9 with 30 accounts. I'll be golden once the initial hit clears. It was the utilization that really hurt. 90% on one card is very bad (thank you Hurricane Isaac).
it is, but in times of need that is why we have credit. I've learned the hard way about how to treat credit.