JCjim

4 Contributions 154 People Helped

Member Since: July 2013

Most Helpful Contribution

what happen to being able to see all my accounts? this new site sucks

Jan 29, 2015
New changes are not good
Helpful to 135 out of 157 people

CK's new site is really bad. I have never liked the report format used by all the bureaus, and now CK has regressed to this method. I can't see a quick view of my total card line vs. card debt - which was very convienient. Also, the time it takes to get a score update seems to increase with every new upgrade. CK will find my login rate will begin diminishing.    

Activity (4 Total Contributions)

what happen to being able to see all my accounts? this new site sucks

Jan 29, 2015
New changes are not good
Helpful to 135 out of 157 people

CK's new site is really bad. I have never liked the report format used by all the bureaus, and now CK has regressed to this method. I can't see a quick view of my total card line vs. card debt - which was very convienient. Also, the time it takes to get a score update seems to increase with every new upgrade. CK will find my login rate will begin diminishing.    

The Relationship Between Your Credit Score and Credit Card Utilization Rate

Mar 20, 2015
Helpful to 18 out of 20 people

dbat, Very interesting perspective, and some things I never consdiered. Your take on the "mysteries" of  scoring alogorithms make a great deal of sense - certainly, these seem to have worked out well for you. 

Dear CK: can you please add back the ability to update daily with the new beta product?

Jun 16, 2014
Add me to the list......
Helpful to 1 out of 1 people

Title says it all.....

What should my credit score be when I apply for a credit card?

Jul 26, 2014

The Easy Response: Depends on your current score. The higher the better - more importantly, less initial impact on your score.  

Given that you have 1 merchant card with a 300.00 limit, and assuming you have a positive report (no late payments, derogatory comments, etc.), it makes sense to apply for a non-merchant credit: This will have an initial negative impact, but your score will improve more quickly over time (higher total credit limit, additional account, etc).