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so i applied for a Cap1 QS1 a couple months ago with a 568 and got the 3 pt hit to 565 and got approved been using it and paying it off and when they finally reported it was for feb. and mar. and and i got a +43 point jump. it was my first open revolving credit. i did get approved for another cap1 platnum that has not reported at all either. wondering how much increase if any for another open revolving.
It might go up a little bit. Keep the Util down (under 9% for TOTAL accounts) and you will get the MAX scoring points for that.
the second card reported this month and my ex fico went from 608 to 616. the day i seen it went up we were out at best buy when the app alerted me of the change and so i decided that i would try to add a store card to my profile and applied. at 616 i got approved for $1000 limit. i did not use the card just paid with my cap1QS like i planned. was a little surprised i got approved. i was trying to do the shopping cart trick for victoria secret card but never worked for me so i applied in store and got approved the same day as best buy. spent a little on that card CL was $350. so i have two bank cards and two store going to wait a while and apply for another bank card but i am going to wait another 6 mos or so at least.. it is so amazing that less than three months ago i had ~550 score and now i have a it up to 616 and have 4 Cards
Nice job! Yes just manage the ones you do have and you'll be fine down the road.
Nice job so far