I need credit advice

For just about anything you want to get off your chest about credit cards.
2 posts
Green Member
Green Member
Posts: 15
Joined: Sun Apr 07, 2013 7:42 am
Location: MD

I need credit advice

Postby rbai76 » Tue Apr 09, 2013 9:24 am

Right now I have

$250 PNC secured card 1 year
$500 citi dividend card 5 months
$800 best buy credit card 4 months

I would like to try to get rid of my PNC secured card and replace it with something else because I am tired of spending the $3/mo fee.

I know my credit score was around 700 before I opened the citi card

The only bad thing that I have done was get denied for the bestbuy credit card a few months after I opened my PNC secured card, and when I first had the PNC card for the first few months I ran about $200 or so out of that $250 a month.

Since then I haven't ran up the limit on any of my cards more than 25-30%, and everything has been paid on time

Should I try to get a normal credit card with PNC or what?

I am working full time and am a part time college student, I make around 15k per year, live with parents pay no rent and have never opened up any loans.

Green Member
Green Member
Posts: 8
Joined: Thu Apr 11, 2013 11:00 am
Location: Mississippi

Postby rackham12 » Thu Apr 11, 2013 11:06 am

Try getting CLI on your current cards and you know how many hard inqs on your reports? You have good odds for Discover It depending on inqs and if any baddies

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