- Green Member
- Posts: 4
- Joined: Thu May 09, 2013 2:00 pm
- Location: Chicago
I have put my self in semi difficult situation, by using credit cards without any
knowledge of how It can lower or minimize my score.
So my score is 674, but i want to be in 700, and now I just need
some of your help to make it happened.
So this is my history.
Capital one card, 500 limit, used it for two years, paid it off 6 months ago and closed it yesterday.
Discover card, 2500 limit, used it for 5 months, 2200 too pay off ( still got 6 months to pay it off with 0 apr )
Walmart card, 800 limit, 700 on it.
Now, after closing capitalone yesterday, I have
opened 3 more cards ( just realized it was a bad mistake )
Zales card - limit 1500 -
Chase feedom - limit 1300
Chase slate - 900
Previously I had couple loans, all paid off.
So now, what are my options & and couple questions.
First off, if I will not use my Zales card at all, will that affect my credit score?
Second, since Walmart card is screwing me with their 23 apr
should I transfer 450 to my Chase freedom, and 250 to my Chase slate so I wont
have to pay the apr? And if I do that, do I close the account or just leave it open?
There is no point of transferring my Discover balance to Chases cards because I should be pay if off in 6 months.
What are your suggestions folks?
What are my best options to increase my score in this case now?
Should I even activate my Zales card if I wont use it, will it affect me?
What are your opinions on that?
Thankkk youuuu so much for reading my post!
Hope to hear back !