GoldenloveNY;
In addition to the above;
Since you're 21, going into school and, from what I read, have no prior credit problems; you might want to consider looking into the option of applying for an AMEX ZYNC around November. The reason I say this is it will lock in your original Membership date with AMEX for life. The card was originally geared towards college students so has a low AF of $25. AMEX is the ONLY credit card company to give card members a starting date perk like that and it can be a big deal years down the road.
If you don't already know, I should mention AF= Annual Fee, CC= Credit Card, CCC= Credit Card Company, CL= Credit Limit, CLI= Credit Limit Increase. Those are just some starters for "shorthand" you'll see around here if you haven't already noticed and might be unsure what some of them mean. There's a guide to it somewhere but not sure where off hand, believe me, you'll run across it if you browse here enough LOL.
You're also considered a "Builder" not a "Re-Builder" if you ever run across those terms and wonder. A builder is new to credit or building credit with no real negative history, a Re-Builder is someone doing just that, re-building after having some issues with their credit in the past. So right now, you're working with a clean slate. DO NOT get lured in by promotions to apply or accept sub-prime products like First Premier, Orchard, Credit One etc or others that have high fees, annual and otherwise, you do not need them. Cap 1 isn't a bad company, they work for both Builders and Re-Builders for the most part without the outlandish fees of the others.
ALWAYS research here before you apply for something you might find interesting, you'll never regret doing so. You'll no doubt get offers (if you haven't already) in the mail for products (CCs) you just don't want in your credit file.
By the time you're ready to apply for another card, you'll have learned a LOT here if you visit and read on a regular basis. By coming to MyFico at such an early stage of your credit journey, you've made a very good choice with which to understand and navigate the credit world before ever hitting any bumps or running into the ditch. Very wise on your part and there are a lot of people here willing to share their experiences, wisdom and advice. Not that we agree on every little detail LOL but that's usually related to which company, not the general advice about credit 
And; Welcome to MyFico btw 
@GoldenloveNY wrote:Hello,
I am 21 years old and am new to credit cards. It has been two months since I have been approved and started using my Capital One Secured Mastercard. I have a credit of only $200, but Capital One said they will increase my limit with good payment history. It's not much, but it's a start!
I have been using only 30% of my credit and paying in full, through multiple payments spread out over the month. I have decided to apply for college and I am awaiting their responses (wish me luck!!). Anyway, by the time I should enter college I should have at least a 9 month credit history with this capital one card. At this point, I am planning on applying for another card. I have two questions:
- I am looking for cash back/rewards. Do you think I should get a "student" card (Capital One Journey has a good cash back deal!) or just forget it and apply for a regular cash back/rewards card? If so, which one? I am thinking for shooting for a regular card because I am building credit history with this one, and I have been told that student credit cards offers very low limit to start. I don't want another low limit card
- Will a 9 months of good credit be enough to be accepted for most regular/student credit cards? Do you think I will have a good credit score (if I used only 30% of my credit, make regular payments, and have no balance due at the end of the month)?
- Can I apply for two cards at the same time? Let's say I applied for a card nine months from now, and I get aprroved. Can I go ahead and apply for a different card and approved too?
Thanks!
I would recommend gardening the account to a year history and making a deposit to the secured card to take it up to 1K before going after any unsecured credit.
