Which card, before garden?

[Anonymous]

I'm planning on going to the garden. (I think? I'm too new to know if that's the right plan of action...but I think that's my plan.) I'd like to diversivy a little bit more before I go. At the moment my only bank cards are through Chase and Capital One. 
I like rewards....no annual fee is a perk. My scores are still on the low end, so there's that to consider as well....New card bonuses are always a perk, also.
The biggest benefit I'm looking for probably is a free monthly score. I already have Fico and Transunion, so a different one would be great. 
Thoughts? 

[baller4life]

Yes. I would garden for 6 months to a year and work on any baddies you have on your reports. Then you will be ready for Discover,Amex,Barclays.

[kdm31091]

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@Anonymous wrote:

I'm planning on going to the garden. (I think? I'm too new to know if that's the right plan of action...but I think that's my plan.) I'd like to diversivy a little bit more before I go. At the moment my only bank cards are through Chase and Capital One. 
I like rewards....no annual fee is a perk. My scores are still on the low end, so there's that to consider as well....New card bonuses are always a perk, also.
The biggest benefit I'm looking for probably is a free monthly score. I already have Fico and Transunion, so a different one would be great. 
Thoughts? 

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The cards aren't going anywhere. You can just use what you have and wait a little (6 months like other poster suggested) and garden. Then apply for something. You'll get a better limit and APR almost definitely. Credit is a journey not a race

[Anonymous]

As others have suggested, plant yourself in the garden until your scores rise.  At ~700 you should be able to pick up a Sallie Mae and Discover It.

Slightly off topic, but FICO score isn't one of the companies that reports the scores.  These companies are:

Transunion, Equifax, and Experian.  You listed your TU score and a FICO score.  Without more information, we have no way of knowing which fico score this is.

E: Also, AFAIK only your Walmart card provides you a free FICO score.  The scores you get with Cap One are FAKO scores, models of your real scores based on their algorithm.

[Anonymous]

Fako score, lol. So similar to Credit Karma and the other freebies? It lists it on their website as being through TU....

[Anonymous]

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@Anonymous wrote:

Fako score, lol. So similar to Credit Karma and the other freebies? It lists it on their website as being through TU....

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Yup.  They run a different model than CK though.  Credit Karma uses Vantage Scores, which AFAIK are actually used by lenders occassionally. 

[Anonymous]

CapOne uses the preVantage CK model. Still a FAKO

[Anonymous]

Oh, man. I went from thinking I was getting 2 free scores a month to none?! But it's at least an idea, kind of like the freebie things, right? I've seen the numbers steadily climbing, and took it as a positive...

[SouthJamaica]

Based on the cards and scores mentioned in your signature, I think you are right to "garden" and I don't think you should apply for any more cards at the moment.

I think you should let these age and grow.

[Anonymous]

Whelp, I guess I'm going to the garden then. I've got a couple of errors on my CR that I need to dispute (medical bills), so I guess that will keep me occupied.