Hi I am Javis I am new to this forum & the credit building scene. My new years resolution was to improve my credit score by the end of the year. I have never had any credit cards, loans, or any deliquent bills or collections in my name. My Aunt added me to her Capital One Account with a $300 limit in October, 2015. I recently applied for a Care Credit Account and was approved for $10,000. I plan to use about $4500 on dental work for myself but I also want to apply for more credit cards before I have the dental work done so that my debt ratio isnt so high. I do not need my dental work immediately I can suspend it up to 6 months. My question is which cards would you all suggest I apply for & how long should I wait before applying for them? I only have 1 inquiry on my TU, none on EX or EQ. My scores are TU- 721 EQ-710
