seeking advice on which cards to get - credit score of 662

[dave123]

hi I have two questions:

1. which cards should I get to help build my credit?

2. which cards should I get that will give me a lot of points/miles?

My credit score is 662. Reasons hurting my credit are High credit usage, Short account history, No loan activity, and Short revolving history.

Edit: I have 3 credit cards, Chase Freedom, Bank of America Spirit, and Wells Fargo. I'm using around $4,700 out of $5000 on the Chase card, $1000 out of $4000 on the BoA card, and $1120 out of $1200 on the Wells Fargo card.

[Cappy]

hi I have two questions:

1. which cards should I get to help build my credit?

2. which cards should I get that will give me a lot of points/miles?

My credit score is 662. Reasons hurting my credit are High credit usage, Short account history, No loan activity, and Short revolving history.

List your cards and your limits and how
Much % utilitzation you're using on each card

[LoLo]

List your cards and your limits and how
Much % utilitzation you're using on each card

CB style..

[ckmk47]

Is this a real credit score or a FAKO? Not that much difference for the purposes of this question of yours.
1) Work on your credit usage.  Over the next  month, pay each cc before it's billed - in it's entirety except for $5.  Then pay that $5 when you get the bill, which should be only $5 - not laden with new things charged that are due next month.  This will visibly raise your credit score.
2) http://forums.dansdeals.com/index.php?topic=25991.0
 For questions about a specific card: http://forums.dansdeals.com/index.php?topic=45916.0


In general, there are already threads that cover this topic: the following are some examples
http://forums.dansdeals.com/index.php?topic=9825.msg1435650#msg1435650
http://forums.dansdeals.com/index.php?topic=16024.msg1461308#msg1461308

[David Smith]

Is this a real credit score or a FAKO? Not that much difference for the purposes of this question of yours.
1) Work on your credit usage.  Over the next  month, pay each cc before it's billed - in it's entirety except for one credit card, which you should pay everything but  $5 until the  statement closes. Then pay that $5 when you get the bill, which should be only $5 - not laden with new things charged that are due next month.  This will visibly raise your credit score.

FTFY

[Cappy]

You're maxed out on 2 cards. 90% is considered max.

Are you paying interest on these?

You should focus on paying your cards up before you think about getting new cards.