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You have some nice cards. Will it help your scores to get one more, I say no because you will have a new account and your credit file will re-age and probably lower your scores. Is there a particular need for another card, are you looking for some perks that interest you.
2IMPROVE wrote:
Okay will getting another card help me??TU 657, EX 645, EQ 683All cards have no balance except JC Penney's has $19.00, I actually charged on it and received a fico alert that my score increased by 7pts.JC Penney $150 since 7/07HSBC Visa $300 since 6/07HSBC Visa $750 since 6/07BofA Plantinum Visa $2500 since 2/07Bof A Worldpoints Visa $2000 since 9/07Target $200.00Current past yrs on mortgage and car note.
@smallfry wrote:
You might want to combine those HSBC limits if you can. With the small limits you pretty much lock yourself into lower approval limits. I would wait on new applications.
@Anonymous wrote:
@smallfry wrote:
You might want to combine those HSBC limits if you can. With the small limits you pretty much lock yourself into lower approval limits. I would wait on new applications.
HSBC isn't very nice about this. Are those "real" HSBC cards or Household or Orchard cards? HSBC will allow you to combine cards, but they do not guarantee that you will get the entire CL. So if you were to try and combine the 300 CL into the 750 CL you could wind up with only a 750 CL.
@smallfry wrote:
@Anonymous wrote:
@smallfry wrote:
You might want to combine those HSBC limits if you can. With the small limits you pretty much lock yourself into lower approval limits. I would wait on new applications.
HSBC isn't very nice about this. Are those "real" HSBC cards or Household or Orchard cards? HSBC will allow you to combine cards, but they do not guarantee that you will get the entire CL. So if you were to try and combine the 300 CL into the 750 CL you could wind up with only a 750 CL.
Tell you what. I'd close 'em and get some other lines like Citi or Chase.