What cards would you get in my position?

[Anonymous]

Hi! Im looking to get some card recommendations. I'll list below the cards I have currently and my scores. Im interested in travel rewards and cash back.

My Current Limits

QS One $300

WF Secured $300

Khols $300

Cap-1 Mastercard $300

My current scores are TU 649 EX 626 EQ 633

Any recommendations will be much appreciated!

[Anonymous]

Honestly, in your position I wouldn't seek more cards. I'd build history with what you currently have and attempt to address any negatives on your credit reports.

[Pway]

How long have you had your current cards?  Have you tried for a CLI with capita one?

[Anonymous]

I've had all of my cards for a year and some a couple months shy of a year. My AAoA is 1 year and 3 months

[Seatown1two]

I'd say your best bet at this point is to grow what you have. The qs1 gives you a very reasonable cb albeit the annual fee. When are you due for your credit steps on your cap one cards?

[Anonymous]

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@Anonymous wrote:
Honestly, in your position I wouldn't seek more cards. I'd build history with what you currently have and attempt to address any negatives on your credit reports.

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This is key.

[Anonymous]

As far as I can tell I dont see that I am in credit steps. Should I maybe talk to their customer service?

[Anonymous]

I guarantee you are in Credit Steps.

[Anonymous]

Im not seeing anything about the credit steps on my account...Is there a place I can find it?

[gdale6]

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@Anonymous wrote:

Im not seeing anything about the credit steps on my account...Is there a place I can find it?

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Credit Steps is the program they may put you in when you apped for the Cap-1 cards. Its the program that may have said you qualify for a 700 CL and you will get that in 5 ot 6 months of on time payments. CSRs can confirm if you are in credit steps. Also let these members know your file will be clean when you app for the new credit.