Need a 2nd CC

[Anonymous]

Thank you kindly, Bananas - I sure hope you're right. It's a bit overwhelming for me but I am committed to make it work. And, congrats on your VS card!

[baller4life]

When that collection falls off in August, scoop you up a Discover card. They love thin files!

[Anonymous]

Wow, Discover - seriously? I presumed my scores and low credit limits would be way beneath their standards, lol. 

[baller4life]

No way! Discover gave me my highest limit at the time $7k and I still had a $0 Cap One CO reporting. Plus when you lose that collection your score will soar over 700. Make them your next card before you get other cards. Like I said they LOVE thin files.

[Anonymous]

Oh, snap - I had no idea that I would ever be in desirable to someone like Discover! 

As I mentioned, I did get approved for both QS1 and Walmart store card in the last 24 hours. If I garden those for 6 or 8 months, think my file would still be considered 'thin' enough to qualify? But, since my CC limit is $950 between all three cards that I have now, I don't think they will throwing be any parades in my honor when I apply, lol. 

[baller4life]

Yeah you will be a prime candidate for a nice Discover limit!! Then I would pick up a Amex,Barclays and Chase. Research which cards will fit you best. You are certainly on your way! Good job!

[Anonymous]

Oh, good grief that is a lot of cards you're naming off! I am already freaking out with having three.... 

[baller4life]

Hahaha. Just suggestions to build a diversified portfolio. You get as many cards as you are comfortable managing.

[Ladybugz]

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@Ladybugz wrote:

CONGRATS! I'm in a similar position and my QS1 is on its way. I believe CapOne is good company to keep, especially for us homebuilders.

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Oops. Freudian slip - I meant "credit builders". Though I do have my sights set on home ownership, I never thought of building. Oh well, the subconscious knows best. 

[Anonymous]

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@baller4life wrote:
Hahaha. Just suggestions to build a diversified portfolio. You get as many cards as you are comfortable managing.

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LOL, I know you were and I very much appreciate the help. I am definitely going to keep your Discover advice close for when the baddie disappears in August.

@Ladybugz - Ha, that's funny! It's ok, we'll be rebuilders AND potential homeowners together!