What should I apply for?

[Anonymous]

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@rootpooty wrote:

Im also curious whats on your ex report? congrats on getting the zync though im jealous

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I have 2 charge offs cap one and hsbc from 2006, also a Sprint Collection from around the same time. Auto Loan Through NMAC that I have been paying on for about a year now.  Thats about it. 

[Anonymous]

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@crunching_numbers wrote:

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@Anonymous wrote:

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@laboi_22 wrote:

The answer to your question is simple: What is it that you need?

You must always base applications for credit on your needs. Don't apply for cards you have no use for. Tell us what you need, tell us more about your credit profile, and we might be able to offer some suggestions as to what cards to apply for.

It sounds like you now have a prime card with AMEX. You have your rebuilder with Cap 1. You have a few store cards including the gas card. What else are you looking for?

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I guess mostly I am looking for a tradeline and more available credit.  I'm running out of ideas though on what else to apply for, at this point I think last time I checked I have 16 inquiries in the last 2 months lol.

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You will not get any "prime" cards to give you a higher line right now. You have all low limits and a low FICO. What you need most right now is to wait patiently and let these cards age. Also, you need to let some of those INQ's fall off. 16 is way too many, and will not help you get good cards or good limits.  if you treat those cards well for 6-12 months, some might  CLI you along the way.   

Thanks for the input, I will garden what I have now.  I think these are good cards to start with.  This forum has been very useful to me.

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[rootpooty]

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@Anonymous wrote:

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@rootpooty wrote:

Im also curious whats on your ex report? congrats on getting the zync though im jealous

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I have 2 charge offs cap one and hsbc from 2006, also a Sprint Collection from around the same time. Auto Loan Through NMAC that I have been paying on for about a year now.  Thats about it. 

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well at least you got in with amex! congrats