How many credit cards should you have for a good credit score? If you’re one of those people who holds up the line at stores because you’re trying to figure out which of your 10 credit cards to pay with, it may be time to do some consolidating.

Just because you settled with a car loan company after a car repossession, that doesn’t mean that they have to remove it from your Equifax, Experian or TransUnion reports.

You can apply for the Pier One card online or in any of their stores. If you apply in one of their shops you may receive instant approval and be able to use your card immediately. An online application may take 2 weeks to process. If your credit score is in the 600-700 range you shouldn’t have a problem getting approved, but keep in mind that other factors are considered in the approval process.

The Ann Taylor Credit Card has an extremely high interest rate, low spending limit and lacks any additional real benefits other than having an average rewards program.

Your credit score is just one of the factors your mortgage lender will use to determine whether you qualify for financing. The problem is, every lender uses different methods to determine your credit worthiness. So, in some cases, a minimum score is difficult to determine for conventional loans. In other cases, especially when loans are underwritten or insured by government organizations, there are minimum credit scores to qualify.