My jewelers club

[capricornchanges]

Is this a good one to add as a second card or is it considered a store card? Trying to add to my mix as I only had one auto loan and various student loans. Trying to get my mid at 660 for a home purchase

[Anonymous]

I have read that the jewelry club is a good one.  They report a 5k limit so if you keep that down below 1-3% it will help utilization and increase your score.

Cap one is a good secured card as well

[Anonymous]

There is another company that reports a 5K limit sort of like the jewelry club but it's not jewelry.  I agree that keeping utilization low is key.  Use credit sparingly.  Look up new coast direct.

[Anonymous]

Thats some great Progress, Looking into doing that myself thanks for posting the accounts you have opened and have helped 

[Anonymous]

Do you know other programs who work the same like My Jewelers club? 

[pamon]

Its a store card on my bureau but shows 5k available. Used it for one purchase but it reports mpnthly. Overpriced jewelry and an easy tradeline. They are there for rebuilding.

[Medic981]

My Jewelry Club offers extremely overpriced merchandise, however, an easily obtainable tradeline.

I compared the price of a Casio G-Shock Digital Sports Watch model DW6900-1V offered by myjewelryclub vs amazon.

Myjeweleryclub price Retail Price: $180.89 Club Price: $148.91 

Amazon price $44.99 

My Jewelry Club is charging 3.3 times the price Amazon is asking. That is a huge markup! 

My Jewelry Club is no better than the subprime predatory credit card lenders that myFICO members warn others away from.

[FireMedic1]

You have enough cards and an installment loan. No need for more credit. Pay down what you have to get to AZEO. Time will grow your scores. More credit lines doesnt mean higher scores.