- Posts: 1
- Joined: Sat May 10, 2014 10:25 pm
- Location: atlanta, ga
I am not sure where to post this, but I am in need of help at this point. Little background....messed my credit up when I was 18....I got two credit cards, Credit One bank (300 limit) and a Best Buy (300 limit)...I used these cards and paid them off religiously until I was 19 and moved out and they ended up getting closed and sent to collections. Fast forward a couple of years and I finally decided to get a secure Bank Americard with a $500 limit in 2011. I started this venure with a 485 credit score. I have slowly been paying on it and keeping the balance around ~75% (bad on me) every month. I have had this for 2 years and pulled my score up to a 560. I applied for a Walmart card and got it (small 400$ limit). Fast forward a year now, I applied for a Kay's Jewelers account and got $1100. My score is now a 602, which is exciting for me, but I have tried to start into prime cards and convert my Platinum Plus into a regular unsecured card, but I keep getting denied. I applied for a couple different ones tonight (more than I would like to admit) and ended up getting denied on half and the other require a little further action.
With all this being said, I pretty much screwed myself for at least 6 months...which is okay..I think..anyways. I am stuck, I want to build my credit further and have slightly higher balances!!!!
I am 25 and have had a fairly rough time the last few years, but have made it work. I now have a decent job making $45,000 and have a decent car which my fiance co signed with me on. I just want to have one card with a decent balance for the unexpected. I have enough money in the bank to pay off all these balances in full if I had to (considering they were maxed out, which they aren't). I am just trying to get some advice. Should I look into getting another secured card and revolve the BoAcard and a secured card every week or so....basically using the CC as my main form of payment and just pay the cards off at the end of the month?