One last piece of advice! Please!

[Anonymous]

Hello everyone. First, I would like to thank all of you for being so incredibly helpful. I started with my scores at 520 and now they're at 650.

I need one last piece of advice. 

I have a Discover It card ($2k), Capital One ($300), Bank One($450) and I just got approved a couple of days ago for an AMEX Delta card ($1k)

Question is, is now a good time to apply for one last card and then just age them and focus on CLI's. If now is a good time, which cards should I focus on getting given my scores? I would like BofA cash rewards but my fico may be too low. I would appreciate feedback from you guys!

[Anonymous]

When did you get the cards?

What is AAoA? AoOA? AoYA?

[Anonymous]

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@Anonymous wrote:

When did you get the cards?

What is AAoA? AoOA? AoYA?

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4.7 years. First account opened 21 years ago.

Disco 1 year

Capital One 3 months

Bank One 9 months

Amex 2 days, haven't even received card yet. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

When did you get the cards?

What is AAoA? AoOA? AoYA?

---

4.7 years. First account opened 21 years ago.

Disco 1 year

Capital One 3 months

Bank One 9 months

Amex 2 days, haven't even received card yet. 

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Getting another card now doesn't seem problematic based on the various account ages. However, your score does seem on the low side for a BoA Rewards Card.  Any derogs with the CRAs?  Are you just looking for a cash back card to compliment your Disco?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

When did you get the cards?

What is AAoA? AoOA? AoYA?

---

4.7 years. First account opened 21 years ago.

Disco 1 year

Capital One 3 months

Bank One 9 months

Amex 2 days, haven't even received card yet. 

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Getting another card now doesn't seem problematic based on the various account ages. However, your score does seem on the low side for a BoA Rewards Card.  Any derogs with the CRAs?  Are you just looking for a cash back card to compliment your Disco?

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To be honest. I am, not sure what I want or need. I know I want to have a total of 5 cards. Eventually, I want to drop Credit One. But for now, I just want to add 1 more card so they all age at the same time. 

[Anonymous]

Hello, congrats first of all on getting your score up. Do you mind if I ask, what was your report like when you apped for the Capital One card? My scores are just starting to go up and I think what's holding me back is the high inquiries. I am gardening hoping they age off and put me in a better position to add some good bank cards.

[Anonymous]

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@Anonymous wrote:

Hello, congrats first of all on getting your score up. Do you mind if I ask, what was your report like when you apped for the Capital One card? My scores are just starting to go up and I think what's holding me back is the high inquiries. I am gardening hoping they age off and put me in a better position to add some good bank cards.

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Of course! Happy to help! I got my Capital One card 3 months ago when my score was 623

[Anonymous]

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@Anonymous

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Of course! Happy to help! I got my Capital One card 3 months ago when my score was 623

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My scores are EX 665, EQ 640, and TU 662. I would love to try for a Capital One for myself (I am currently an AU on my husband's account). However, I dont know if I should chance it just yet. My inquiries are at 18 for all three bureaus due to recently getting a new car. I love seeing how well others like yourself are doing on their credit journeys. It gives me hope!

[Anonymous]

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@Anonymous wrote:

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@Anonymous

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Of course! Happy to help! I got my Capital One card 3 months ago when my score was 623

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My scores are EX 665, EQ 640, and TU 662. I would love to try for a Capital One for myself (I am currently an AU on my husband's account). However, I dont know if I should chance it just yet. My inquiries are at 18 for all three bureaus due to recently getting a new car. I love seeing how well others like yourself are doing on their credit journeys. It gives me hope!

.I have accross all 3 credut bureaus, I have 26 inquires. 7 being the lowest on Experian 

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[Anonymous]

Don’t know what your FICO 9 is for EQ, but my EX FICO 9 was 656 when I was approved for PenFed Power Cash Rewards (2% card). I don’t imagine my FICO 9 was much higher for EQ, which is what PenFed pulls.