Here Is my opinion on the situation.
OP is asking for the best chances to get in with a prime card. He has gotten good advice on doing that, which is to hold off for a few months and see where he stands with a FICO score (Hereafter referred to as advice #1). He has also claimed he has an app itch, so other posters have suggested other routes to getting cards today (advice #2), which also seems to be good advice if the OP is careful not to add too many tradlines (2 max in my opinion).
Charleeislegend, think about what you want to work on the most. Both routes will get you those prime cards, but probably not for a few months.
If you take advice #2, I think your profile is good enough to get one or two of the identified "builder" cards. Those may not be the exact cards you want. You will have to let them age for a number of months before you are going to get those prime cards you want. Advice #1 will also force you to wait, but may not require you to add tradlines you don't want to your report.
Do what works for you. But advice #2 may add more low limit trade lines to your profile, so as a warning, try not to go too overboard with new accounts. Patience will be the key in your credit journey.
Good luck!
OP is asking for the best chances to get in with a prime card. He has gotten good advice on doing that, which is to hold off for a few months and see where he stands with a FICO score (Hereafter referred to as advice #1). He has also claimed he has an app itch, so other posters have suggested other routes to getting cards today (advice #2), which also seems to be good advice if the OP is careful not to add too many tradlines (2 max in my opinion).
Charleeislegend, think about what you want to work on the most. Both routes will get you those prime cards, but probably not for a few months.
If you take advice #2, I think your profile is good enough to get one or two of the identified "builder" cards. Those may not be the exact cards you want. You will have to let them age for a number of months before you are going to get those prime cards you want. Advice #1 will also force you to wait, but may not require you to add tradlines you don't want to your report.
Do what works for you. But advice #2 may add more low limit trade lines to your profile, so as a warning, try not to go too overboard with new accounts. Patience will be the key in your credit journey.
Good luck!
