Posted by: hit.the.hot October 11, 2010
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I'm re-phrasing my question again for some gurus:
Given that I paid my balance in full, and close my credit card account; how long does it take to get rid of the bank info from my credit file? Having 2-3 closed credit accounts, all paid in full, will really impact ur credit for a long run?
furke: if u don't have a previous credit history, refrain from applying a Discover or American Express Cards (highly unlikely to get accepted for the ones without previous credit records/insufficient history). Also, I would not suggest you to get some cheapass credit cards like from the departmental stores or grocery stores (like Walmart, BestBuy, Macy's, etc..), rather go to ur bank where u have ur checking/savings account, and ask them u wanna apply for a credit card. It's more likely for u to get accepted for credit from ur regular banking location rather than applying at random online! Then, from that one credit card buildup ur good credit history. It will usually take at least 1-2 years to have ur credit take a shape. Good Luck!