Help!

[Anonymous]

I currently want to apply for my 2nd credit card and im not sure which route to go. I really want an Discover IT or Amex everyday Card which CK has my chances as good and I also want to get the cap1 QS1 card since or the Barclay reward card.

What do you all think my chances are at getting an AE or DscIT.

Im 19 and My credit history Will hit 6 months as of 08/22 

My current score per ck and cs are 662 TU and 670 EQ My capital one credit tracker shows I have a 713?

I currently have a auto loan for $12,500 as of 06/17/15 no late payments and 1 unsec cap1 plat cc with no late payments and 23% credit utilization that I have had since Feb 2015. 

Do you guys think I have a chance at any of these cards???

[Anonymous]

First, ignore Credit Karma. Their recommendations are nothing but paid marketing. Second, none of the scores you cited are relevant to a credit card application because none of the card companies use them. Finally, I think your chances for Amex and Discover at this point are very slim. 

[Anonymous]

Thank for the feedback! Do you think I should maybe apply for a store card and another cap1 card? and do you think I might be able to get the Barclay rewards mastercard?

[Anonymous]

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@Anonymous wrote:

Thank for the feedback! Do you think I should maybe apply for a store card and another cap1 card? and do you think I might be able to get the Barclay rewards mastercard?

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I would only apply for a store card from a store where you actually shop - and look for one you can get with a soft pull. Maybe, maybe not on getting another Cap One. That comes with a triple pull on your credit reports and at this early stage it would be a bad idea to start racking up inquiries. But, if you really think you need it... A little too soon for the Barclays. Wait a couple more months on that one.

[OmarGB9]

I would hold of on Amex and Barclays. Discover may give you a chance if you have no baddies.

[Anonymous]

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@OmarGB9 wrote:
I would hold of on Amex and Barclays. Discover may give you a chance if you have no baddies.

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Agreed.

[Anonymous]

thanks!! ck and cs keep saying that barclay is a good cc to help build credit is that not true?

[OmarGB9]

It is certainly true, however, Barclays likes to see at least 1 year of history. They don't like being your very first card.

[Anonymous]

Wait for a bit before applying for Amex and/or Discover.
Personally I think CAPTOOL is right. Get a store card from where you usually shop.

I got cards from JCrew and Express with SP using the SCT.