@MrSmooth wrote:
Hello everyone.
I recently came into a little "back pay" money and by the end of this month all my accounts will be at zero, so I plan to try the AZEO method I've been reading about.
I thought I read that "store" cards don't fall under the AZEO umbrella. Do gas cards? I have a Shell card that is strictly the gas card not a cobranded MC. Also, is Fingerhut considered a "store" card?
Thank you in advance.
Current Lim/Bal
Cap One 2100/0
Cap One Wal-Mart 2250/1100
Discover 1800/0
USAA Amex Sec 500/0
Shell 400/0
Fingerhut 1500/0
Kohls 300/0
All 3 bureaus low 600's due to years of neglecting credit...all old collections are at zero balance, paid in full, last 12-18 months only 1 late (2 days)
Cobranded store cards are fine to use such as a Best Buy Visa or Home Depot Mastercard. It is just the pure play store cards that are limited to use at a store that may not count.
As a general rule it is safest to use a so called "bank card" which includes Discover and AMEX revolving credit cards. However, AMEX no preset spending limit charge cards do not count as revolving accounts.
Not sure about gas cards. However, since the Shell card is not cobranded, it might not. If you are unsure whether or not one of your cards will count, test it! The same applied for store cards - test it if you want to know with certainty.
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
