Best thing to do now to improve?

[siktirgit]

I just started building my credit a little over a year ago. Wondering what I should do next.

I've had a Cap1 secured card open for 13 months @ 1k.

Also got a BestBuy Reward Zone MC open for 2 months @ 300.

Was thinking about either depositing to increase line on the Cap1 Secured or using that money to open a 2nd secured with another bank.

Which of these would be the better way to go? Or neither one?

Thanks for any replies!

[p-]

Have you considered going for an unsecured card?  Is there anything on your report that would keep you from qualifying?  Will Cap1 graduate you to unsecured?

[siktirgit]

Well, in the past few months I app'ed for a Citi Forward and a Cap1 cash back rewards (site said I was "pre-qualified").. was denied on both due to "limited history".

Went to bestbuy to buy a new tv and they convinced me to app for their card which is the only unsecured I got.

That was 3 hard's and not really wanting to get anymore right now if I can help it.

Haven't tried to graduate my secured yet, people had told me to wait 18-24 months and I'm at 13.

And no, I don't have any negatives on my report at all.. just the fact that its only 13 months old.

Thanks for replying!