department store cards

A person smiling while holding store credit in one hand and a black shopping bag in the other.

How Store Credit Cards Impact Your Credit Score

Q: I am a student at Southeast Missouri State University. About 10 months ago I opened my first student credit card. I eventually got my credit score to 728. In October, I opened an account with a jewelry store in order to buy an engagement ring. I’ve noticed a huge dive in my credit score […]

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department store cards

Can I Close a Department Store Account Without Hurting My FICO score?

Q: I have 6 major credit cards and several department store credit cards. I want to close some of these cards but don’t want to hurt my FICO credit score of 700  – 720. Should I close the newest cards and keep the cards that are the oldest? A: If those major credit cards are costing

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