What should be my next move?[ Edited ]
12-03-2012 04:27 PM - edited 12-03-2012 04:44 PM
I have been reading a lot on these boards and was hoping I could get some advice on possible credit card applications and any suggestions. Here is my credit profile so you all can get a good idea of where I am coming from.
I am a student who recently graduated in May and was thinking of adding a couple of new cards to complement. Thinking I want good rewards and relatively high CL.
Last inquiry GECRB in July
AAoA: 2 years with oldest card 4 years ago
About 17% utilization, but will lower this to less than 10% soon.
myFICO TransUnion: 720 no negatives
EX: no score but no negatives on report
EQ: no score but no negatives on report
All on time payments.
One motorcycle loan (done next August)
School loans (deferred)
These are the cards I have been looking at:
AMEX blue cash preferred (grocery rewards)
USAA rate advantage (higher CL)
US Bank cash+ (solid rewards)
You can see my current cards in the signature.
Any suggestions welcome, thank you.
Capital One Platinum MC (11/2009) - $2K | Discover IT(07/2011) - $1.25K | GECRB Visa (07/2012) - $2.5K | Citi Dividend Visa (12/2012) - $4K | Chase Freedom Visa (12/2012) - $5K
TU (12/2012) - 720 | EX (12/2012) - 744