No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My advice is time.
You'll need to get the lates to drop off, especially if you have a thin file, it can affect any credit decision on your behalf.
It can be done, Jennie! let's see what the experts say. I had one active card (1998) when I joined myFICO Forums mid-2017. All three scores went up almost 740 average before they took a temporary dive with the new credit cards.
You can do it!
