| Author | Message | ||
     Sinna Mudiripoyina Bewarse Username: Sinna Post Number: 22563 Registered: 04-2005 Posted From: 24.7.199.62 Rating: N/A |
Apply 1 Citi card and 1 AMex/Discover. Baga use chestham, kadatham chesthoo undali. APpudu automatic ga peruguthadi nee score. Make sure you always keep your utilization under 49% any time. Credit score ekkuva impact undedi depending on Revolving Credit, which is mostly CC use only. ee Personal Loans valla antha impact untadi ani nenu anukonu. Anyway most important factor in credit score is length of your history. ANte most important points is never Close/cancel your oldest Credit card. Adi kani close chesthe Avg length of history baga thaggipoddi. That is the most important mistake andaru chesedi. So nee BOA eppudu kooda close cheyyaddu, even though you do not use it for years. Kotha cards apply chesethappudu do how many ever you want on the same day, or atleast in same week, so there will be not much impact to your history. Okasari kotha cards apply chesthe, danini hard credit pull antaru, so neeku 5-7 points thagguddi score sure ga, kani next 3-6 months lo peruguthadi depending on your utilization and payments. Also if you have bank account with Chase, you can also try for applying for a chase CC at a bank, since you have a bank account, they will lend towards giving you a good credit limit, and more if you have a direct deposit into that account every month. Also if you ask any CC to increase limit, mostly they will again do a hard pull, which is a unnecessary waste, rather apply for a new CC. Idi naku telisindi. Naa Gunde Aadinaa... Aaginaa Nee Kosame...Balayya |