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Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
0

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 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | 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 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor
sjt
Posts: 721
Registered: ‎05-05-2010
0

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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