- Centurion Member
- Posts: 179
- Joined: Fri Apr 12, 2013 4:47 pm
- Location: Indianapolis, IN
I have a few cards that I applied for, thinking I'd use them, and either never did or very seldom charge a few dollars. They're basically sock drawered, and include a few retail credit cards (Target, Express, etc), and a Care Credit card. At first, I viewed them simply as something else I had to keep an eye on, but over the past few months I've been looking at them on my Credit Karma profile, noticing they always have a $0 reported balance, and so they keep my total utilization low. Sweet. Obvious, but sweet.
My question to you is: do you have a card (or two or five) that you only keep open to maximize your total available credit, but you don't ever use? If so, what card have you chosen for this? Is there a reason? And finally, how generous have lenders been with CLI requests on these infrequently used cards?
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680