21 yr old credit

[shinehero]

Hi,

I'm honestly trying to gauge how well I'm doing in my credit history. I'm 21 and I have a myFICO score of 720. I have a $24,000 car loan and I'm a cosigner on a student loan with my fiancee. I have 5 credit cards. 2 from capital one(visa plat and PS card), a target redcard(I work there, and no, I haven't had any fraud), and I just got approved for the barclay apple card for a new macbook for school, and also an AMEX green card (considered going for gold, but didn't want to take my chances). I have never missed a payment on anything, and and the downsides on my report I have been given are my length of credit history(got my first card at 18, the cap visa plat), and my credit inquiries(I got a little carried away recently). Is this a good start?

[myjourney]

Welcome to the forum 

You're doing very good and an FYI you can upgrade your green to gold if you like without a HP the only downside is you won't get any signing bonus for the gold.

[shinehero]

Thanks for the advice and welcoming. I may just try to do that after I get a little history with AMEX.

[takeshi74]

Sounds good to me.  Just keep responsibly managing things and an eye on your credit.

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@shinehero wrote:

and also an AMEX green card (considered going for gold, but didn't want to take my chances)

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Underwriting's the same for all of their charge cards (except, of course, the Centurion).