nchomebuyer Posted March 16, 2013 Report Share Posted March 16, 2013 good morning about me I have several store card I have a citi bank master card threw sears with a 400 limit I have the wal mart discover with a 700 limit my home depot card ( that I have never used) for some reason is a 2000 limit typically really this is all the credit I need so I have not really applied for a card in awhile But Now I am thinkikng I would like to get a singel visa or MC with a higher limit I have two trips coming up in april and may . for what if's and or emergancy cash a 1000 ,iles from home it would be nice to have a card with more funds then my present limits my credit score is 720ish all in good standing , my debt to income ratio is next to none I problaby am200 dollars in debt I have been a BOA customer for about 6 years in good standing .. I was thinking about getting or applying for there card well thats the jist of it // any input would be great Link to comment Share on other sites More sharing options...
willingtocope Posted March 16, 2013 Report Share Posted March 16, 2013 Go with BOA. Close all the store cards (they're probably rebranded Crap 1 anyway) Link to comment Share on other sites More sharing options...
nchomebuyer Posted March 16, 2013 Author Report Share Posted March 16, 2013 I have been told by most to keep the store cards open and a little active thanks for the input and suggesting to go with BOA Link to comment Share on other sites More sharing options...
willingtocope Posted March 16, 2013 Report Share Posted March 16, 2013 The on;y "good" store cards do is increase your "available credit" portion of your "sucker score"...the one tthat bottom feeding CCs like Crap 1 use to predict who they can make money from. The "sucker score" also includes a ""utilization" factor...they want you tpo carry a balance and pay them interest. You don't need them....particurlay7 if they charge you a yearly fee.. Link to comment Share on other sites More sharing options...
bloomingdale Posted March 21, 2013 Report Share Posted March 21, 2013 One may choose to settle for a good credit card that allows shopping convenience or a co-branded credit card. Link to comment Share on other sites More sharing options...
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