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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Advice with my next step to build credit

I think amex would like a minimum 1 year of history unless your assets and income are very high.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Advice with my next step to build credit

Fill in both applications and submit first the charge one,

 

if instantly approved with NPSL, switch to the other tab and submit the revolver one.

if it's not approved, don't submit the revolver application.

 

You should have no trouble getting the charge one.

after that, if you get denied for the revolver, it will only be 1 HP.

and If you get approved for both, it will be 1 HP also.

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Established Contributor
sjt
Posts: 629
Registered: ‎05-05-2010

Re: Advice with my next step to build credit

I think your off to a good start. I do think you should increase your Wells secured. If you can do $5K I would do it.

 

December would be a good time to apply for an Amex. charge. Id go for the Gold Rewards.


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