After doing some research it appears that citifinacial accounts show as finance company so actually lowers your FICO score. Does that count the same for any of the 'Branded' retail credit cards? I am thinking of using the 'Carrier Credit Card' since it has 6 months same as cash, I plan to pay it off before the 6 months is up, but don't want just the fact I have this kind of account to hurt my fico. Any info on the Citifinancial Retail Cards would be appreciated.
