hey just a quick question, i opened 2 retail accounts back in 2001 (jc penny and mervyns) of which i closed just a few months after opening them in 2001. do you think it would be smart of me to reopen them in hopes it would increase the ratio of balances/limits? or maybe i should just leave them be--im thinking if i reopen they may pull a hard inq and i dont want that. if i reopened id have a total of 8 credit cards. 1 gas (chevron) 4 retail cards (macys, target, mervyns, jcpenny), 1 dell accnt, and 2 bank cards (cap 1 and sears gold mastercard).
30-90 DAYS MAX ON RE-OPEN ACCOUNTS YMMV 2-3 YEARS...your dreaming if you think they will RE-OPEN them W/O a HARD...
