- Green Member
- Posts: 15
- Joined: Sun Apr 07, 2013 7:42 am
- Location: MD
I currently have:
PNC secured card $250 for a year
Citi Platinum Dividend card $500 7 months
BestBuy card $800 for 6 months
I don't really need credit cards at all but have been using them to maximize my credit score, and in the event of an emergency.
I only use around 20-25% of the credit on each card and always pay everything off, the only ding I noticed on my credit report was from when I opened up the PNC card a year ago, I did get declined for the BestBuy card like 8-9 months ago but I didn't notice anything on my credit report about that.
I am thinking about opening a khols credit card because I need to buy some clothes and khols seems to be a great place to buy because they already have pretty good prices and with their card they give you like 15-30% off on top of that.
Should I close out a card and then apply for khols or just leave everything as it is.
I would sort of like to replace my PNC card with a non secured PNC credit card or even another type of card that gets my points/cash back.
I am 19 y/o work full time and take a few college students, I make around 20k a year.
What would you suggest I do?