WillJV wrote:Hello everyone,
So i come from a "horrible credit" background due to personal reasons; however, in order to reestablish my credit I've started by getting those high APRs crappy cards just so i could build some positive history.
With 2 cards for about 4 years which i've used to build credit:
- Capital one (no rewards & $95 annual fee)
- Credit one bank (no rewards & $100 annual fee)
Last year finally i managed to get my credit score to 730 and decided to applied for a reputable better card than the crappy ones i had so i applied for the Amex True Earnings card and i was approved. Now a year later I have a total of 3 credit cards all 3 with positive good credit history yet I still have the 2 crappy ones with charge me almost $200 in annual fees.
I know its not a good thing to close credit cards as you lose history but I've been considering to get chase Freedom or Discover More and maybe close the 2 other cards.
I will leave you your answer in another forum. But I have a question for you, you say you live in Miami, what would happen if you had to move job related or family related, to Wisconsin, Idaho, Minnesota in the secluded areas where there's no Costco? Or the closest is 100 miles or more.
Depending upon what level card you have depends what membership fee your paying. what would you do about the membership if you had to leave Miami?
I would always use my own personal cards whenever going into a placeW. hen at Macy's I would always use at the time my first card gold card, Bank 1 platinum or chase platinum. Now it would be my Capitol1 card, Discover or my own personal American Express. Sme as if I went to target I wouldn't use their card I would use my own.