Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
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6 Replies
1,852 Views
I would see if they offer a card that has at least some marginal benefit you can use and then call and see if they will switch one of the existing cards to that. BOA sucks in general, but they do...
Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
0 Score
6 Replies
1,852 Views
the real question is, do you plan on getting a loan anytime soon? if yes, eliminating and adding credit is probably the wrong move. you take a hit by applying and adding new cards and you take a...
Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
0 Score
6 Replies
1,852 Views
1. Don't close older cards as it will decrease your credit rating in length of credit, and your usage percentage.
2. Use Mint or similar service to track all of your credit cards at one time time...
Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
0 Score
6 Replies
1,852 Views
Credit Karma has a what if calculator too I am sure other credit sites offer the same option too.
Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
0 Score
6 Replies
1,852 Views
I have two 10+ yr old BoA Visa cards that I don't use because the benefits are near nill (BoA bought the original issuer and gutted the perks). These cards represent about 30% of my available credit...
Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
0 Score
6 Replies
1,852 Views
Unless you are worried about utilization because you are carrying huge balances on yuuuge available credit, or really want another BoA card, your income will most likely be the limiting factor for a...
Credit Card Utilization & Canceling Cards
Thread created 07-14-2022 by spec2
0 Score
6 Replies
1,852 Views
Get the new cards and have the limit as high as you can get my credit score is a bit crazy at times.
My primary card just went up to 7K I will be paying it off when it is due, my credit score...
