Hey guys -
New to the site here and looking to improve my wallet with some new cards. Some background on me: I am 22 years old, just graduated college, and have an an annual income of $54k. My current scores are TU - 697 and Equifax - 720. My TU just went down 24 points (was at 721) and my Equfax went down 26 (was at 746) due to me having to hold a high balance on my card for a few weeks. It increased my CU to 31%. However, I just paid most of it off so CU should be around 10%. I also just had a CI for my cable and internet that got put on my credit.
I have two cards right now. One student visa with $1000CL and one visa platinum through TCM Bank with $2500Cl. I have had auto loans and motorycle loans over the years and never missed a payment on anything. All of my loans are paid off with the exception of my current auto loan which holds a balance of $20K. I also have about $35k in student loan debt that I will have to start paying on in December. My AAoA is 2 years 7 months for TU and 2 years 11 months for Equifax. I have 6 inquiries on my account as of now, with 3 of them dropping off in August.
I looked around at sites and I have pre-quals on many sites (Citi Bank, Discover, AMEX, Chase). I am really interested in the Freedom and/or CSP as I will be traveling often for work. I have pre-qual for the CSP, Freedom, and Slate. I am nervous to apply for them at the moment though since my score just dropped. What do you guys think? Any advice is greatly appreciated and sorry for the long post!
