Misc Credit Card Questions

[D93]

Right. But I'm specifically asking about lets say I'm using only 3, and 20 of them are being unused. Reason I'm asking specifically about not using most of them is because 1) I know I'm not going to use more then a few. And 2): I thought I read that if I don't use some credit cards, it would hurt my credit.

2) complete rubbish.

[Schneur22]

2) complete rubbish.

Thanks! It's a relief to hear!

[TimT]

Occasionally some banks might shut an account if its been inactive for a long period of time.

[Cappy]

How do I do it? I pay FICO?

Best way to get all your real FICO08 scores on the spot is to sign up to creditchecktotal.com and sign up for the 7 day trial for a $1

[Schneur22]

Best way to get all your real FICO08 scores on the spot is to sign up to creditchecktotal.com and sign up for the 7 day trial for a $1

So there's no pull on the account, and the $1 is like a one time fee to know my score now?

[Cappy]

So there's no pull on the account, and the $1 is like a one time fee to know my score now?

No inquiry. It won't effect your credit at all.

It will give you all 3 scores

[Schneur22]

No inquiry. It won't effect your credit at all.

It will give you all 3 scores

What do you mean by 3 scores?

[Cappy]

What do you mean by 3 scores?

Don't mean to sound rude, but how new are you to credit?

[Emkay]

What do you mean by 3 scores?

Equifax, Experian, Transunion
Seems you have lots of reading to do

[Schneur22]

Don't mean to sound rude, but how new are you to credit?

A little bit.   But I understood what you were saying, just thought you were referring to something else. Thank you.

[Cappy]

Good luck 

[D93]

Best way to get all your real FICO08 scores on the spot is to sign up to creditchecktotal.com and sign up for the 7 day trial for a $1

All 3 reports also, or just scores?

[Cappy]

All 3 reports also, or just scores?

Reports also. But just like any other credit monitoring/reports site.

It won't give you everything like the Real expanded report, but it does the job for checking basic things

[Cappy]

It's a 1 time report with all 3 scores/reports for the trial

You can't refresh everyday for everything

[D93]

It's a 1 time report with all 3 scores/reports for the trial

You can't refresh everyday for everything

How often can you refresh?

[Chapshnell]

-1

You can definitely have 2 at the same time. You can even apply for 2 at the same time, it might not be easy to get approved for 2 but it doesn't mean "you can't".

Im curious to see who got approved for 2 CSP & got the bonus on both recently.
Would be foolish to advise a new guy trying to get into the credit card game to apply for a few CSP cards.

They have a system in place that sees if you already have that "flavor" card in your account. Unless there is a trick not known to the public that you know of.

Ive seen the letters mailed out to people who tried getting the same kind of card while the old one was not downgraded or closed

[D93]

Im curious to see who got approved for 2 CSP & got the bonus on both recently.
Would be foolish to advise a new guy trying to get into the credit card game to apply for a few CSP cards.

They have a system in place that sees if you already have that "flavor" card in your account. Unless there is a trick not known to the public that you know of.

Ive seen the letters mailed out to people who tried getting the same kind of card while the old one was not downgraded or closed

I wasn't advising, I was just saying that what you stated as fact was not true.

[Chapshnell]

I wasn't advising, I was just saying that what you stated as fact was not true.

Do you know anyone who recently got 2 CSP's approved? While 1 of them was still open/not downgraded?

 

[D93]

Do you know anyone who recently got 2 CSP's approved? While 1 of them was still open/not downgraded?

What do you consider "recently"?

[Chapshnell]

What do you consider "recently"?

6 months