Next credit card??

[andresaguilera64]

Hi, i wanted to know your opinions on what credit card should i go for next.

I am now 19 years old and have a capital one with $700 CL, bestbuy $1000 and discover it $1000. My last Discover FICO score was 675. My credit karma score is 734. My utilization is 15% and I now use mostly Discover every month. What do you guys recomend i get next to improve my credit that i will get approve for?

[Twas_Sovereign]

Honestly I would recommend gardening for the next 6 months. Gives you a chance to improve your credit scores and allows your TL's to age a little more. Setting yourself up to app for better cards. 

[RavenTKR]

 I would wait one year from now, and let the inquiries fall off your credit report. Let the accounts age first, and this will get your score up.

[sexy_kitten7]

I would wait for your FICO to hit at least 700. You could apply for one or two of the following at the same time:

Chase Freedom

Citi Dividend

BoA Cash Rewards

Amex BCP

Cap QS

Good luck!

[takeshi74]

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@andresaguilera64 wrote:

What do you guys recomend i get next to improve my credit that i will get approve for?

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I'd recommend using other criteria.  We can guarantee what you will or will not get approval for.  We can provide our best guess but you should really look at what products offer the benefits/rewards/etc that you need/want.

[Creditaddict]

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@andresaguilera64 wrote:

Hi, i wanted to know your opinions on what credit card should i go for next.

I am now 19 years old and have a capital one with $700 CL, bestbuy $1000 and discover it $1000. My last Discover FICO score was 675. My credit karma score is 734. My utilization is 15% and I now use mostly Discover every month. What do you guys recomend i get next to improve my credit that i will get approve for?

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American Express and Chase but maybe not this instant but those would be next choices at the time.

How old are all your accounts?

[NPE]

I guess Chase, Amex, Barclays would be the next biggest prime lenders you haven't made a relationship with. I'd take a stab at Amex before the year is up for D*

[andresaguilera64]

Thank you guys for the quick response!! I have the platinium amex with my Dad with "my own number" and "Member since." So i would like to get n the near future maybe the chase saphare or citi Aadvantage mastercard which they have been sending invitations by mail. 

[NPE]

I'd value Chase above Citi due to the value of their points/rewards structure. If you were to wait 6 months to apply for a Chase, I think you'd have a good shot at getting in. I'd save the Citi app for after Chase.

[Josh2942]

Deffinetly wait at least 12 months and go for the Freedom by Chase