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I've been spending endless nights lurking around and finally decided to post. Would just like to get some opinions from you guys that know much more about credit than a 19 year old with only 1 year experience with credit. Ill start out by letting you guys know that my goals for the next 6 months to a year are getting into Amex (preferably with the PGR) and getting CSP. I'll leave my credit profile below and maybe you all can point me in the right direction and I'm more than open to any suggestions!
Age: 20 in a few months
Income: Roughly 30k
Scores:
-CK: 722
-CS: 700
-Barclays FICO: 745
-Discover FICO: 725
Cards: (From old to new)
-Capital One Secured (10/13): $251
-1FBUSA (03/14): $650
-Discover IT (05/14): $650
-Barclays Rewards MC (07/14): $500
-Cap1 QS1 (07/14): $300 on credit steps for $500
-BofA Cash Rewards (09/14): $600
Utilization is at 1% on just one or two cards at a time
$15,000 Car Loan (Co-signer) 05/14
Current balance: $13,000
Total inquieries (Experian): 8
4 in the past 6 months
no baddies whatsoever
please let me know if you guys need anything else to point me in the right direction and thanks in advance!
I would let those newer (1 year or less) accounts age and once they are a year old- maybe ask for CLI's or apply for a new card next year. Others may have better advice.
@Anonymous wrote:I would let those newer (1 year or less) accounts age and once they are a year old- maybe ask for CLI's or apply for a new card next year. Others may have better advice.
+1
@uswala wrote:
@Anonymous wrote:I would let those newer (1 year or less) accounts age and once they are a year old- maybe ask for CLI's or apply for a new card next year. Others may have better advice.
+1
+1 I'm surprised at the small limits you've received given your profile and scores. I was going to suggest Barclay rewards, but you already have it. Best you can do is just have patience and let time do it's thing.
If Amex PRG is what you want I would apply for that now... don't see any issue with a charge.
Have you checked Chase Pre-qual for offers?
otherwise I would call Discover every 3 months for SP CLI
close cap1 secured as you don't need it for util. and it won't really grow so get rid of it now.
garden the rest of the cards and keep checking your pre-qual on chase and grab one when you get an offer.
@Creditaddict wrote:If Amex PRG is what you want I would apply for that now... don't see any issue with a charge.
Have you checked Chase Pre-qual for offers?
otherwise I would call Discover every 3 months for SP CLI
close cap1 secured as you don't need it for util. and it won't really grow so get rid of it now.
garden the rest of the cards and keep checking your pre-qual on chase and grab one when you get an offer.
Even having 2 very recent credit lines?
I have no pre-quals whatsoever