- How It Works|
- FAQs|
- Help
- Log In to your account |
- Sign up now for free!
Credit Advice
Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!
Question
How about department store Credit Cards (Macy's, Sears, etc.) ??
My girlfriend and I have just started our "Credit Score Hunt" - and recently received our new Bank Issued CCs. We will use these to take baby steps towards better credit scores. So far so good.
But, my girlfriend has a couple of old CCs from Macy's etc., but hasn't used them for a while (they may be inactive, not sure).
So, should she make use of these again?
#1) To "re-activate" cards with a longer history than her new one.
#2) Simply to use more credit cards to speed up the process...
#3) Lastly, Im not much into these kind of CCs, but my opinion is based on a "feeling" rather than evidence of these kind of cards being worse than real bank issued ones... Can any of you share some general thoughts on this?
Thanks to all of you :)
Asked by
JonasAnderse
1 year ago
Flag this Question
1 response
- Prev
- 1
Reply To This Question
The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.
Let the community lend a hand!
3 Most Recent Questions in Credit Cards
Can I re-open a closed Amex acct from 1999 that is still showing on CreditKarma?
1 Response
Asked by FirstLast1
under Credit Cards
Should I get more then one secured credit card
0 Responses
Asked by lilrichard107
under Credit Cards
Credit Card Offers Just For You
These are the most popular credit card offers from Credit Karma members with credit similar to yours.
Credit One Bank® Visa Platinum Card
- Pre-Qualify for a Visa credit card without affecting your credit score
- Get a starting credit line up to $1,500
- No enrollment fee
Capital One® Secured Mastercard®
- Get the credit you need with no processing fees or application fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
Copyright© 2007-2012 Credit Karma™, Inc. Credit Karma is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
The credit cards that she has not used in while will not positively help your credit unless you are making payments on them monthly. Keeping them inactive are neither hurting or helping you from month to month. Unless your credit card issuer has anything new to report, you score will not benefit. Using more credit cards wisely WILL speed up the process. The two best and ways to increase credit are to pay off debt and to make payments on time. And to answer number three, department store cards aren't going to help you as much as a major credit card would, that being said don't run off and close the accounts as that will may negatively affect your credit score. Using the cards on small purchases and making your monthly payments on time is the best way to go.
diggsb4477 1 year ago