How important to your overall scores are retail cards? I only had one Sam's ( the jerks closed it, even thought I was never late and paid 2x the min) so I am wondering how inportant it is to have retail CC in the overall picture. and where I can get one if I need it?
the credit review letter stated the following. 1) credit balance to avaiable credit( I closed my subprime card that was only other card reporting on EQ) 2) negetive credit line reporting( was there when Sam's opened) 3) length of credit history (nutin I can do about that) this letter came one week after the results of a CL increase request. and Monagram CS states over and over that they can not re open the account. but I can pay off the account and reapply! oh goodie. why in the world they think I would want to do that I don't know.
