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Looking for advice on my next cards (young/thin file)

Valued Contributor

Re: Looking for advice on my next cards (young/thin file)

@HeavenOhio wrote:

@Anonymalous, for most cards, I'd suggest applying when your older card is a year old and your newer one is six months old.


Discover would be an exception. I think you could grab that right now. Check their pre-qual. If you grab Discover now, wait six months before your next application.


Don't think about US Bank unless you've gardened for a year. You'd probably also benefit from the thicker file you'll have down the road.

More good advice, thanks. The denial I got from Chase was for the Freedom Flex, and the Discover It seemed like a good alternative, so I tried the prequal shortly after. But while the usual cards showed up, I changed my mind and decided I didn't want to deal with rotating categories. That's why I had my eye on the Citi Custom Cash, with a category based on spend; and on the Elan Max Cash Preferred, whose categories are set once and then persist (which is apparently not the case with the US Bank Cash+). Oh, well. Maybe in the future.


Though if I were starting all over again, I might have gone with Discover as my first card.

Message 11 of 13
Moderator Emeritus

Re: Looking for advice on my next cards (young/thin file)

@Anonymalous wrote:

@FinStar wrote:

If you're looking for 2% alternatives, unless you're specific targeting FNBO as the only absolute, the SYNCB PayPal 2% Cashback is another option.

Good suggestion, but I decided I didn't want to deal with PayPal.

Fair enough👍

Message 12 of 13
Frequent Contributor

Re: Looking for advice on my next cards (young/thin file)

IMHO,  I would add a card or two now so that they begin to age, and be concerned about building your credit on a long term basis, and not so concerned with rewards.  Discover & FNBO may be a good option,  if you have medical, dental or vet bills Care Credit may be one to consider.... though it's Synchrony that line usually grows rapidly.


I would even consider a "self lender" type of loan, for the highest amount you can deposit monthly, that the bank or credit union allows.   In 12 months.... you'll be in a whole different situation.... in 12 months it shows as the loan was paid in full and helps on your build.

Message 13 of 13
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