Is it too soon to apply?

[Anonymous]

I've had my capital one secured credit card 7 months this October. I have been extremely diligent and attentive to my credit score. I have 4 collections which 3 have fallen off leaving with 1. When I started off my score was 520 it is now 649. Capital one just increased my credit limit by $300.00. My main question since I don't want to hurt my credit score that I've worked so hard to get. Is it too soon to apply for cards that capital pre-qualifies me for? Such as quick silver master card with annual fee?

[OmarGB9]

I think 7 months is a good wait, but if I were you, I'd wait a little longer. Like a year. Then go for something else.

[Shawndoe79]

Capital One Pre-quals are pretty solid, I got their QS1 with AF with a score less than yours with a 3k SL, 5 mos post BK7, but YMMV. 

[Anonymous]

Thank you I will take your advice and wait it our for the chase freedom or quick silver signature 

[Anonymous]

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@Anonymous wrote:

Thank you I will take your advice and wait it our for the chase freedom or quick silver signature 

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Patience always pays off.  If you don't mind me asking., what other cards do you have?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Thank you I will take your advice and wait it our for the chase freedom or quick silver signature 

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Patience always pays off.  If you don't mind me asking., what other cards do you have?

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**I only have one credit card at this time and it's the capital one secured. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Thank you I will take your advice and wait it our for the chase freedom or quick silver signature 

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Patience always pays off.  If you don't mind me asking., what other cards do you have?

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**I only have one credit card at this time and it's the capital one secured. 

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Then don't apply to Citi yet.  If you can afford it, get another secure card.  BOA has good ones and they do graduate.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Thank you I will take your advice and wait it our for the chase freedom or quick silver signature 

---

Patience always pays off.  If you don't mind me asking., what other cards do you have?

---

**I only have one credit card at this time and it's the capital one secured. 

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Then don't apply to Citi yet.  If you can afford it, get another secure card.  BOA has good ones and they do graduate.