@Anonymous wrote:
hi, all! i've gotten plenty of good advice on this site by reading through posts.......but i'm curious as to your thoughts as to what i should do next. i'm in my 20's, still a student (grad school). i have paid for a "proper" credit score (but do check my credit report annually). i use credit karma ("fako") and it tells me i'm at 720 (i was at 770 in sept, but i applied for 2 cards, amex-denied, and cap1-3K but now i read i shouldn't have applied for it). I have 8 hard pulls on my credit report currently. I've been denied by AMEX and the REI visa card. i don't have any loans/debt; i don't have any car payments; i rent (500/mo.) with an annual income of 30,000; my utiliziation is pretty low, around 10% and i always pay in full and never carry a balance. i don't know if i should be "gardening" or applying for another card (or two) that give rewards while i have the 8 inquiries already on my credit report...... here's what i'm working with (date opened) - Card - Credit Limit 09/2010 - PNC VISA - 8500 (just moved credit over to one and closed another from PNC) 12/2010 - Discover - 3000 05/2011- Citibank Platinum - 7500 05/2011 - Cap 1 - 3000 06/2011 - Chase Sapphire - 10000 what should i do now???? help! my goal is to get the best credit possible to be able to get the best mortgage rates possible (and car stuff). i also like the thrill of trying to get as high of a credit score(s) and credit limit as possible. i also want at least 1 more rewards card (i'm thinking either of the southwest cards, the rei card, any other suggestions?)
I think you should be gardening for awhile. You have alot of open TL's.
i know its fun to get what u want, but u look like u have enough, chill out
@Anonymous wrote:lol, ok, i'll hang out and let things mature a bit........well, that was easy peasy.
thanks!!
any suggestions on 1 new card i could get with good rewards (with low or no AF)??
AMEX is a good choice (Zync)