Ok so i have a few ideas on how i want to build my credit and need some advice on should i and how long would it take me to do this.
Lets start with what i have right now .
Credit Cards
Capital one Journey Since Dec 2014 CL 6.3k used 0
Discover it Since Mar 2016 CL 3.2k used 0
Chase Freedom U Since Nov 2016 CL 4.5k used 4.4k
Synchrony RTG Since Nov 2016 CL 3.5k used 1.1k
Car Loan Since Feb 2016 15k for about 5 more years
My goal is to get cards from other lenders to get a higher over all credit limit and have histroy with a few card companies.
Looking at getting a Citi card and BofA Better Balance rewards with maybe a free Amex card . Im not really to sure about the Amex.
Definiteley want the other two along with a Chase Freedom and Chase Sapphire Reserve later on , to use with the Unlimited for great deals.
Also with the Chase 5/24 rule i want to make sure i play my cards right and achive this asap.
I think i might be at a point to 'garden' ? Im just thinking the faster i open them all the better of i will be with them ageing .
Yet i know that could hurt me if i do too much too fast .
Side note I was offered a product change from capital one for the QuickSilver .. its just a 1.5 points i was looking into maybe applying for the card and just getting the bonus and merging accounts hopefully incrase my CL a bit more and then product change it after that . Is this a efficient way of getting a higher CL aside from the usual waiting or requesting one ? I was thinking of doing this later on the line after i have the cards i want .
My score was at 740 last mont and this month fell due to utilization to at 670 .... nothing that wont be fixed next month.
I dont think im doing to bad for just being 21 and almost having 20k aviliable in credit cards 
