I need a bit of help with what my next steps on my credit journey should be.
I currently have:
Cap 1 Secured: CL $350
Cap 1 Quicksilver: CL $3000
Cap 1 Platinum: CL $4000
Wells Fargo CC: CL $2800
Walmart: CL $2200
Amazon: CL $2200
I think I need to start adding some better cards to my mix, ideally with significantly higher limits. We also plan to refinance (so mortgage approval) in about a year so I want to make the best use of inquiries. So here are my questions:
1) Should I even be applying?
2) If so, what cards?
3) Is there any strategy to what order you apply in?
4) Should I close any of these?
5) Any tips for increasing the lines on my existing accounts?
I'd also love to hear anything else you think might be helpful!!!
Current scores as of today (still waiting on 2 CC accounts to show payoffs made this month):