I just paid my first statement on my secured cap one card. $84.93 balance on a $300 limit. I have one collection acct for $85.00 that will paid soon. I have student loans that are all paid and thats it. No other credit cards. Just a lease,cell,electric and comcast in my name. Before i got the cap card i had a thin file and no score. When can i expect to achieve a score? What should be my next move as far as another card? I only have 3 inquiries on my report. 2 of which will drop off in september. I have plenty of patience and definately am not someone who will go on a app spree. I appreciate all input. Been a longtime lurker who has gained a lot of knowledge from this site.
