Currently I have - Capital One Journey - $1750CL Capital One Playstation card - $500CL but I am going to recon for a higher limit BofA Student - $600CL Credit union Visa - $600CL but I will upgrade this soon American Express Zync - NPSL Barclay visa - $1700CL Amazon Store Card - $1200CL I started out with my Journey card last February. I have only had about 13 months of credit history. I also plan on gardening for othe next year or so then plan on upgrading to more prime cards. However the end exception is in about 6 or 7 months i plan on applying for the Gold Delta Skymiles card since my Zync card isn't upgradable. I would say apply for the Barclay Card, and if you are denied, call them and try to Recon with them. They are very nice and not like any of the other banks, like Chase. I also have a high number of inquiries, really high, but under 20 and was still approved, for the amount of my choosing.