How get free credit report Rapid City

I applied for and got approved for a credit card with Y credit card company, that has a greater credit limit. I am considering closing my credit card from X company because they increased the APR (doesnt really matter to me), it has no rewards, and I dont want to hav how get free credit report Rapid City too many credit cards with me. Ive had the card for about 8 months or so Fizzle: Here is an article I wrote about closing credit cards and how it will how get free credit report Rapid City affect your score: Think Twice Before Canceling Credit Cards. You can also consider asking the credit card company to change your card to a rewards card so you can earn cash back (preferred) or points. I was just how get free credit report Rapid City wondering if closing the older credit card will ding my credit score much, since ive how get free credit report Rapid City only started using credit cards, and just got the card for a relatively short time (how get free credit report Rapid City about 7 months).

look into asking the credit company to change my card type to earn rewards.

Why is Chase Credit Card company so quick to cancel your card upon your request. I had a card for 10 years and cancelled it due to their how get free credit report Rapid City refusal to remove a late fee. I guess whatever the customer needs to do to get you off the phone.

I have a problem that I hope someone can help me with. free credit monitoring I have in total, 10 credit how get free credit report Rapid City cards, but Im pretty sure that I have a good credit score because I make my payments in full and on time every how get free credit report Rapid City time. But in my defense, 8 of how get free credit report Rapid City these credit cards are department store cards (Nordstrom, Macys, etc) and I only opened them to get the sign-up discounts. I probably only how get free credit report Rapid City use the Nordstrom and Macys credit cards now and then, but only because I feel like I shouldnt leave them inactive. But as for the rest of the cards I dont really use them because its not like how get free credit report Rapid City I shop at those specific stores all the time and even when I do, I forget and use my debit card instead. The two major credit cards that I use is my Wells Fargo one and my Chase South West card, which I use the most because of the points. I really just how get free credit report Rapid City want to stick with one credit card, but how get free credit report Rapid City I have the other 9 looming over me. free credit history

I dont want the credit card companies to close my accounts because my cards go inactive because I know that will hurt my FICO score. But I dont want to cancel my cards because I know THAT will hurt my score as well.

Eunice, depending how get free credit report Rapid City how long youve had your 10 ccs, I would suggest that if the inactive ones are less than 3-4 years old, it would be ok to cancel them, and just keep the 6 with some seniority.

Like some of the older posts have suggested, you can always set up a monthly re-occurring payment how get free credit report Rapid City of bills or what not on each of the cards you decide to keep. About how get free credit report Rapid City 4 years ago (in my not so smart days), I went over the limit a few times on my first credit card.

Recently, i accidently used that same card for the wrong large purchase and went over the limit again by about 30 dollars. Brian, Assuming this is the first transgression in 4 years it probably shouldnt affect your score much at all. You may even be able to call your credit card company and ask them to remove the penalty and over the limit occurrence from your credit record. The key is to make sure it doesnt happen again, so be sure to monitor your balances.

Recently I had to close or cancel my AT&T credit card.

I received a letter from AT&T stating that I will how get free credit report Rapid City be charge $60 per year for their credit card and if I spend over $2,000 the $60.00 will be waived. instant free credit report I have been a customer since 1999, however, I have not been using the card as frequently as they would like.

I knew this would affect my credit, but I had how get free credit report Rapid City no choice considering I am unemployed. Jen, it depends on several factors, the most important of how get free credit report Rapid City which are your average age of credit how get free credit report Rapid City and your credit utilization. You will be closing a card that has been open for over 10 years, which will reduce your average age of credit, and you will also how get free credit report Rapid City close a line of credit, which could affect your credit utilization (amount of credit used vs.