Posted by | Posted in Credit Help | Posted on 13-03-2011-05-2008
1
I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?
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Posted by | Posted in Credit Help | Posted on 12-03-2011-05-2008
2
I am attempting to purchase a vehicle, but a problem than I have run into constantly is my financing history; meaning I have not financed anything over k. My credit history is good, I have about four credit cards that I sustain a moderate revolving balance on monthly. I have done well with them, but I have had one for 1 year, the next for almost a year, and the other two inside of six months. The auto that I am trying to purchase is around k, with one bank accepting me for a rate of 7% with 20% down, while all other banks decline my application.
I guess I have three questions =P
1. Why did this creditor accept me on decent terms?
2. How do I find more like that?
3. If I keep me credit cards in good standing, will that eventually solve the issue with my financing history?
Thanks
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Posted by | Posted in Credit Help | Posted on 11-03-2011-05-2008
2
I have some credit, but not a whole lot. My credit score is 628. I also have a delinquncy with Chase, which I am trying to pay off now, but I want to get a different credit card in the mean time to make payments on that to increase my score.
So what are some credit cards that will approve almost instantly with a credit score like that? I just want to get it to improve my credit.
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Posted by | Posted in Credit Help | Posted on 08-03-2011-05-2008
6
I got a letter back and my credit score is only 665. I only have 6 months of credit history, but all of my credit cards do have a pretty high balance, although I pay them all on time and I just opened an account with AT&T last month. Is my credit going to stay this bad as long as I keep a high balance on my credit cards? Or is it just high because I do not have a lot of credit experience?
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Posted by | Posted in Credit Help | Posted on 01-03-2011-05-2008
2
I want to get my own cell phone plan with AT&T but I don’t have any credit and dont want to have to put down an expensive down payment. How can I buil my credit with out credit cards?
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