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I assume a gas card is considered

Discussion in 'Credit Talk' started by LKH, Jan 15, 2002.

  1. Jan 15, 2002 #1
    LKH

    LKH Well-Known Member

    to be a retail card as far as the cra's go. Is this correct? I still don't have a retail card and that is the #1 reason for my scores on all 3 reports.
     
  3. Jan 15, 2002 #2
    KHM

    KHM Well-Known Member

    I would assume so, seeing as it can only be used at a specific store.
     
  4. Jan 15, 2002 #3
    Ender

    Ender Well-Known Member

    I would recommend the macy's dept card.. they report to all 3 CRA's and I believe they do it monthly.
     
  5. Jan 15, 2002 #4
    Hermit5

    Hermit5 Well-Known Member

    You expect them to be higher with a retail card?
    Seeking clairification.
     
  6. Jan 15, 2002 #5
    KHM

    KHM Well-Known Member

    Hermit,
    With the CRA's *I* don't expect anything...lol. It's the general concensus that a "mixture" of cards, helps the scores. Although now that I received a "mixture" of cards, it says my low score (TU) is because of 90+ late as well as lack of mortgages as well as too many open accounts.
    In worthknowing it says sometimes TU can NOT differentiate between a retail card or a major which I think is bull.
    ANYWAY, long story short... I think it's safe to say the board GENERALLY agrees 4-6 card total, 2 being retail cards 2-4 being Major CC.
     

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