Jan 07

If I combine 2 credit cards, will it hurt my credit score?

Credit Cards 3 Comments »
credit cards
I have 2 cards from capital one that I use every month, but pay off every month. One has a credit limit of $500 the other is $1200. If I call to combine the credit limits into one card will my credit score suffer since one account will be considered closed? Or will it remain the same since the limit will not change.

I am planning on applying for another credit card with a higher limit to improve my score, and I don’t want a lot of cards. Thanks!

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Nov 16

Is it better for my credit score to pay off my cards all at once, or make high monthly payments?

Credit Cards 2 Comments »
credit cards
Right now I could either pay off my credit card balances entirely, or just continue to make higher than required monthly payments until the cards are paid off. Which would improve my credit score more? And if I should keep making monthly payments, how much over the required amount should I pay every month?
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Jul 26

How soon does your credit score go up after you payoff your credit cards?

Credit Cards 4 Comments »
credit cards
I have 4 cards with balances on them and will be paying them off next month. How soon will that reflect on my credit score? These cards have been open for a year.
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Jun 28

A website you can enter your credit score to tell you what credit cards you can get?

Credit Cards 1 Comment »
credit cards
whats the website that you can enter your credit score in and it will tell you what credit cards you can qualify for?
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Feb 12

Can cutting up three of my 8 credit cards help my credit score?

Credit Cards 6 Comments »
credit cards
I’m trying to boost my credit score and there are a veiw cards that i have that i no longer want can i cancel them and have the credit comapany bill me, and will that help my credit score? the cards or dillards, visa, and mastercard. Help!
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Jan 21

Who would offer me a credit card?

Credit Card Offers 5 Comments »
Credit card offer
My FICO score is 0 right now. Who would offer me a credit card in order for me to start working on improving my credit score? Debit cards from the bank that function like Credit cards do not improve the FICO score.
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Dec 30

How do I get a credit score without using credit cards?

Credit Cards 4 Comments »
credit cards
I **** credit cards eversince, but here in the US I need to use it since it’s one way of building your credit history otherwise you won’t be able to buy high priced items like house & lot, cars etc. since they’ll look for a credit history.
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Jul 03

I’m 20, and my credit score is 727. How does this compare to others my age, and how does it effect me?

Compare Credit Cards 2 Comments »
credit cards compare
So, I got my free credit report from American Express today, and my score is 727. Is this low bracket excellent category? I feel as though I fully understand the fundamentals of a credit card.

Now, I am looking into auto loans. How would this effect me if I were trying to get an auto loan?

I have 4 credit cards on my report – two of them are low limit cards for stores, and I have not used the card yet. The other two are my American Express and Student Visa (i don’t really use visa anymore) but my credit limits are 2,000 and 1,700)

So, are these other cards bringing my score down? I don’t want to move into the “good” category at any point in life… Or will my score increase as I own these cards for longer and continue to pay off the balance every time? (my student visa is from 2007, and my AMEX is from 2008)

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Apr 09

When is my credit going to go up after paying off credit cards?

Credit Cards 3 Comments »
credit cards
is there a sequence time when your credit report changes? I pay off 3 credit cards a month ago and still has not change my score.
The three credit cards still open.
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