My sister has excellent credit, but an insufficient credit file. She has one auto loan (paid on time for 2 years) and a credit card from Cap One (90% usage...small line). Everything has been paid on time and her newest account is 3.5 years old. Cap One won't increase the line, but will reduce the interest rate. Anyone have any ideas on how to continue building her credit...store cards, prime cards, etc. Next step? Thanks in advance. Dani
Why not try the Citi AAdvantage cards? They seem to be fairly easy to get and with no derogs, probably a sure bet. I did the BDD in January and combined for the plat. select. I think I'm going to try for the instant increase next month by reapplying. Good luck.
