I kept all my money in one Account. But my checking account was not paying me any interest. So I decided to open an account that provided me some benefit. While doing so, I came across, another site while provide me information on banks that would pay you bonus for opening an account with them. I decided to open an account with Citibank, since they were offering a $200 bonus. But just then I came across a site which told me that this bank does a hard Credit pull which can decrease your credit score. Thanks for saving my score from getting lowered further. So I decided to open an account with another bank instead. I also opened a ING savings account that can provide me with a good interest.

By this time I had increased the Limit of my secured Credit Card from $400 to $700. I could have increased it further, but I did not want to keep more money locked into the prepaid credit card. I made sure that I paid all my bills on time and did not miss any payment.

Suddenly, I got a call from Amex regarding my application for credit card. Why are they calling me now? They had already refused me 3 months back ! Anyway, they asked for some information which I provided them and after about a week I received a card from them with a limit of $800. I believe that the reason that I got the amex card for the limit of $800 was because I already had a credit card with a limit of almost that amount. I then decided to increase my credit limit of my Secured Credit Card from $700 to $2200. So now I have two credit cards with a total limit of $3000…which I m quite happy with. Hope this will improve my credit score further. I can further increase my limit of secured card any given day….