My coworker wants to know if she has too many cards for a $45K a year income. Opened August 2001 Visa #1: $1100 Retail: $500 Mastercard #1: $600 Opened September 2001 Mastercard #2: $1000 Opened October 2001 Mastercard #3: $500 Retail: $150 Opened November 2001 Mastercard #4: $300 Opened December 2001 Mastercard #5: $500 Visa #2: $500 Mastercard #6: $1500 That is $6650 over 10 cards. She wants to know if it will hurt her to open maybe a few more cards to get more limits.
Can she combine any of them to get higher limits? I mean, that is too many cards for my taste, but the limits aren't outrageous.
I personally would rather have fewer cards with higher limits than a bunch of low limit cards. Does she have derogs on her reports? Why doesn't she do the Citibank deal? I think she would get higher limit cards out of them. I think she has plenty of cards now and that she needs to work on building the limits.
She has horrid credit. Over 22 unpaid judgments. Citi gave her a card already. All the others are sub prime.
Does she plan on paying the judgements? And is she sure she wants to have more credit? I mean with 22 unpaid judgements....I wouldn't want to get in over my head again.
She has a lawyer who is working to vacate them, as she was never served. They are all for medical bills, most are less than $50. Looks malicious to me...they should've made one big judgment.
Am I hearing this right? She has 22 unpaid JUDGMENTS???? That is crazy! How did she get all that new credit with 22 UNPAID judgments? When I had ONE PAID judgment, I was having major problems...and it was PAID. I don't understand... In light of this new info, she should be GLAD that she has the cards that she has. Tell her to just work on raising the limits. In the meanwhile she needs to stay on that lawyer and make sure he gets those judgments off of there.
NO SH&T....... I'm couldn't get the Citi card b/c of ONE CA that was 3 years old! WTF... go figure...!!!
