Ok I am bringing this back to life hopefully to help someone else trying to get their credit up... In a little over 2.5 months I got 3 credit cards
Bank of America Rewards 1500 limit
Discover It 4000 limit
and Chase/ Amazon Visa 4000 limit
First month my credit score actually went down because I put all my gas, groceries and eating out on the BOA card and actually had 1522.00 bucks on it after a month for a 101% utilization.. This is not good even though I paid it off in full on time.. You should not max out a CC even if you pay it off as it will hurt your score... I found a way around this..
Make multiple payments per month to keep the balance low and it improves your score..
Bank of America pays 3% back on gas, 2% on groceries and 1% for everything else (I use this one now for nothing but gas)
Chase pays 2% back on groceries and restaurants and 1% on everything else(I use this one for groceries)
Discover it Pays 5% on rotating categories (until 07/1 it pays 5% on home improvements after July 1 it will pay 5% on Gas)
It's working out good Credit Karma is reporting my score is now 81% higher than the rest of the users of the site...
Hope this helps someone who does not know this info.
Chiefs are a playoff team this year...deal with it. -PGM 05/17/13