I have 2 credit cards with almost 3500 in outstanding balances that I am working on paying off. If I were to get a credit line of $7500 for one of those catalog things online would that help my credit score? Because right now my reports says the high balances are affecting my score. Whenever I make a larger than normal payment my scores jump a bit. So by extending my credit another $7500 but not using it help?
Increasing your credit limits is one way you can increase your score. If you have a 4K balance on a 4K card, that hurts your score. A 4K balance on a 8K limit card however, is much better. Call your card companies ask for as large a credit increase as possible. Also, make sure they do a “soft” pull, not a “hard” inquiry on your credit. That way the credit increases don’t ding your score with an inquiry.
You dropped your credit utilization from 90% (very bad) to 42% (much better, under 30% would be best. Or even 0%!). Especially for a younger person with a limited credit history, your credit utilization % is often the only factor you can control. You could easily see a 40+ point jump in your scores by doing the easy, free step outlined above.
Good Luck!
Anyone know of any other buy now pay later catalogs besides, LTDCommodities.......
Thanks
littlewoods
gosh, i get so many! depends on what you are looking for... you should go to different websites and get on their mailing lists. like babiesrus.com or potterybarnkids.com, depending on what you want.
You can use any card you already have. Just designate that card for online orders only. That way you can track your orders with that card and notice fraudulent activity quicker. But if you need a new card. Try Citi Bank. They offer internet account numbers for you Visa/MC that allows you to charge without ever giving you actual credit card #
i am looking for buy now pay later catalogs in which i can make payments sort of like fingerhut. i need several if possible.
thanks in advance
misti
welll there a few GINNYS,SEVEBTH AVENUE,MIDNIGHT VELVET AND SWISS COLONY! Hope this help!!!
go online and search for weddings....enter their sites and ask for a catalog to be sent to you...
I was trying to find a LTD book were you buy things out of it like confronters and just about anything..but I don't know were I order that free catalog.Also I wan't site's for clothes catalogs like from maybe American Egal or Pacsun ..or something like that and how would I get a free catalog sent to me?
Delias Has that.
you look at the bottom of the website and it should say catalog and yeah (: