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rhbeverly

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Everything posted by rhbeverly

  1. Can someone tell me why Cap 1 will not combine any of my accounts. I currently have a Capital One Platinum card opened 08/2014 with a current balance of $1,500 (balance transfer 0 percent until 02/2017) limit $5k, Quicksilver account opened 05/2015 with zero balance limit $6K, Venture card opened 10/2015 with a $2k balance, limit $15,750, Venture One card opened 03/2016 with a zero balance, limit $15K, and a Sony Visa opened 07/2015 with a zero balance, limit $1,250. Thanks,
  2. Hello, I have a Capital One Platinum card opened in 08/2014 with a current balance of $1,700 (balance transfer 0 percent until 02/2017) limit $5k, I would like to combine my Quicksilver account opened 05/2015 with zero balance limit $6K. When I attempt to combine the accounts, I receive the message not eligible for a account combination at this time. I also have a Venture card with a $2k balance,limit $15,750 opened 10/2015 and a Venture One card with a $372 balance, limit $15K opened 03/2016. Any suggestions on combining cards and getting more bonus rewards? Thanks
  3. None of the cards have a AF. I did close the first credit card I received after BK, Credit One Bank Visa, they wanted to start charging me $8.95 a month, closed that one immediately. I guess I will keep them open and request the CLI. Thanks for the advice.
  4. My chapter 7 discharged in Aug. 2013. I have since re-established my credit and would like to improve my Fico scores. My current scores are 620 EQ, 650 TU and 658 EXP. The highest my scores have been were on April 8, 2015: 653 EQ, 667 TU AND 677 EXP. I applied for four new credit accounts during the month of April 2015 and was approved for two. This brought me up to 29 credit inquires. I feel I have too many credit cards right now and would like to close the accounts I really don't use. I currently have the following accounts, balances and limits: ACCOUNTS BAL LIMIT Fingerhut (CLOSE) 0 1,100 Barclays Apple Visa 756 3,250 Barclays MasterCard Rewards ( CLOSE) 0 1,500 Chevron (CLOSE) 70 500 Capital One Visa (CLOSE) 402 3,000 Capital One Quicksilver Visa 217 3,000 Beck Furniture 1,000 2,500 Lowe's (CLOSE) 0 300 Dell Financial (CLOSE) 0 3,000 Kohl's (CLOSE) 81 400 Paypal Credit Line 100 500 Barclays Raiders Visa (CLOSE) 91 2,550 Target (CLOSE) 42 800 Union 76 (CLOSE) 75 500 Walmart (CLOSE) 0 1,200 I have listed the cards I would payoff and close. Basically, I want to know is this the right path to improve my FICO scores? I don't plan on applying for anymore credit until May 2016, when I buy a new car. Your suggestions or comments will be greatly appreciated. Thanks
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