Credit limit

[Anonymous]

credit score 716 , 730 ,731 on my fico . Available credit 32,000 . Carry 0 balances .  Should I get any other credit cards ? I have venture 15 k , Amex everyday 10k , 3 quicksilvers 5 k total , Jared store card 3500 . Anything else I should add to up my credit score ? I have two inquiries currently . Want to buy a house in 9 months .

[Anonymous]

How old are your accounts? 

[Anonymous]

I recommend staying in the garden until you are ready to purchase your home in 9 months since it is ideal for you to for you not to have many inquiries for a year prior to the purchase. See link to garden club below:

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-July-2015/td-p/4102342

[Anonymous]

---

@Anonymous wrote:

I recommend staying in the garden until you are ready to purchase your home in 9 months since it is ideal for you to for you not to have many inquiries for a year prior to the purchase. See link to garden club below:

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-July-2015/td-p/4102342

---

Exactly! If you are planning to buy a home within the next 9 months, do not app for anything until you have your house keys in hand.

[redpat]

---

@Anonymous wrote:

---

@Anonymous wrote:

I recommend staying in the garden until you are ready to purchase your home in 9 months since it is ideal for you to for you not to have many inquiries for a year prior to the purchase. See link to garden club below:

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-July-2015/td-p/4102342

---

Exactly! If you are planning to buy a home within the next 9 months, do not app for anything until you have your house keys in hand.

---

+3

[taxi818]

---

@Anonymous wrote:

credit score 716 , 730 ,731 on my fico . Available credit 32,000 . Carry 0 balances .  Should I get any other credit cards ? I have venture 15 k , Amex everyday 10k , 3 quicksilvers 5 k total , Jared store card 3500 . Anything else I should add to up my credit score ? I have two inquiries currently . Want to buy a house in 9 months .

---

No. don't apply for anything if a house is in the future. let what you have grown to optimize your scores and keep doing what you are doing.

[Anonymous]

No more cards, just manage what you have now.

[rockbttm442]

Combine those QS cards.

[Anonymous]

Averag credit card is 4.5 years old . I want to combine quicksilvers but I don't want the account to come as closed .

[longtimelurker]

If a really great card came along, you really don't need to wait 9 months before a mortgage.   But for normal stuff that can wait, I can understand.   But I have apped within a few weeks of closing, and it isn't a big issue, unless the score dip moves you from one bracket to another, which shouldn't be that common.