Hello everyone. This is my first post and first day on Credit Boards. I am currently searching a credit card to strengthen my credit. I am a 636 on Exp and 645 on EQ and 635 on TU. I have no lates or any derog info on any credit report. Any ideas on which cards to apply for? I have a BestBuy-1800, Disc- 1800, First Premier-250, Paypal-180. Only downfall is I have them almost all maxed out. Any suggestion would be much appreciated.
On another note, my DH is in the process of rebuilding his credit and today he qualified for an Orchard CC thanks to your help here.
Credit Card Search
Started by
ourfamilyrox7
, Mar 09 2012 11:51 AM
2 replies to this topic
#1
Posted 09 March 2012 - 11:51 AM
#2
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Posted 09 March 2012 - 12:29 PM
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#3
Posted 09 March 2012 - 12:48 PM
welcome to CB!
before applying for more cards you should work on reducing your utilization (ratio of balances to limits) on your current cards. Two simultaneous strategies for this: 1) pay down the balances (pay highest APR card first) and 2) ask for credit limit increases.
before applying for more cards you should work on reducing your utilization (ratio of balances to limits) on your current cards. Two simultaneous strategies for this: 1) pay down the balances (pay highest APR card first) and 2) ask for credit limit increases.
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