Is it wise to get another CC

[Anonymous]

I would give the current card a year, get your scores up to at least good credit level (660 or better) then try for something relevant to your spending.

[Anonymous]

I disagree. Assuming he can pre-qual for a card like Chase Freedom or Cap One QS/Plat, he should add at least one now. Not only does it give him added flexibility, but it will likely improve his score faster than sticking with just one card.

[Anonymous]

Check the pre qual sites!

[Anonymous]

Hello,

I think that it is worth getting another card. Before applying for a card, check the prequal sites and make sure it states that you have been prequalified to minimize rejection...(saved me a lot of time) Bank of America, Chase, CitiBank to name a few...Everyones credit profile is different so maybe you can post a bit more info here,  together with a list of the prequal results. 

I am sure that you will get a lot of helpful responses once that info is posted 

[Anonymous]

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@Anonymous wrote:
Check the pre qual sites!

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Make sure though that you don't just get excited at ANY prequal though, because Discover, to name one, is useless. Mickey Mouse is frequently prequalified. There's another biggie that's not good (I thought B of A, but maybe I'm wrong). Chase, Citi and Cap One are good. AmEx should be too. 

[Anonymous]

I've been seeing citi or equals rejected as well as Amex. The only solid pre Ayala seem to be chase and cap 1.

[Anonymous]

Pre quals not or equals. Damn spell check! 😉

[Anonymous]

Amex not Ayala!! 😡

[Anonymous]

I disagree.

The longer they have with a good history with the current card, the better the odds of getting what they want later.

[Themanwhocan]

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@Pway wrote:

Obtaining 3 credit cards are ideal to maximize fico points.  However, what does your profile look like?  Baddies, collections, scores, etc.  This will help us in steering you in the right direction of what cards to app for.

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I wish people would stop claiming 3 cards is ideal. There is nothing magical about that number.

Often you need at least 3 credit lines if you are planning to get a morgage, but that is the only time anyone ever brings up the number 3, and even then no-one claims that 3 is an ideal number.