What should I apply for next?

[Anonymous]

i think the blue cash everyday is a lot better than the normal everyday card. so why not get both. wait a while and grab it when you have a preapproval it should be a soft pull.

if you want to add another card right now make sure its something you really need, don't add useless cards just to get a thicker file. you only need 5 or 6 cards to not be a thin file. plus you get higher starting limits for waiting. it's good advice. my discover card is somewhat bucketed because i got it very early on.

you say you have 7 hps, but your profile is older than 1yr. inqs are only scorable for a year. take a look at how many are still scorable and how many are on each report. try to spread your inqs around if you app.

[Dylan1]

Thanks! So scale back on my apps and try to get the blue cash everyday? Sounds doable. The only reason I got the everyday is because everyone said it’s the best way to get your foot in the door with Amex. Honestly I don’t spend anything at “grocery” stores. Walmart’s closer and way cheaper.

[Dylan1]

Not really interested in travel at the moment. Trying to get married so keeping the spending down is a priority. I’d say definitely a cash back card. Just trying to maximize the money I do spend and increase my credit. And right now most of my money (besides the jet ski and truck payment) goes to restaurants. Around $300/ month.

[Anonymous]

for walmart you can get a BoA cash card, or maybe a citi doublecash or paypal 2% card.

for restraunts an uber visa or savorOne or savor.

here's some cards you might like

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Syncrony Paypal Cashback MC 2% all
Citi Doublecash 2% all

BofA cash rewards MC 3% selectable category
CapitalOne Savor 4% dining
Barclays Uber Visa 4% dining

FNBO Ducks Unlimited 5% gas & sporting goods
Syncrony Lowes Store Card 5% hardware
Williams Sonoma 5% homegoods

Chase Freedom 5% category
DiscoverIt Cashback 5% category
ABOC Platinum MC 5% category
Citi Dividend (discontinued?) 5% in 2 categories
U.S. Bank Cash+ Visa 5% & 3% multiple selectable categories

Syncrony Care Credit 0% financing up to 60mo for medical or vetrinary

there's also a chase amazon card that's pretty good, but i forgot to add it into my big list.

[Dylan1]

Yeah that’s a good list of ideas! Thank you!

[Aim_High]

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@Anonymous wrote:

here's some cards you might like

---------------------------------------

Syncrony Paypal Cashback MC 2% all
Citi Doublecash 2% all

BofA cash rewards MC 3% selectable category
CapitalOne Savor 4% dining
Barclays Uber Visa 4% dining

FNBO Ducks Unlimited 5% gas & sporting goods
Syncrony Lowes Store Card 5% hardware
Williams Sonoma 5% homegoods

Chase Freedom 5% category
DiscoverIt Cashback 5% category
ABOC Platinum MC 5% category
Citi Dividend (discontinued?) 5% in 2 categories
U.S. Bank Cash+ Visa 5% & 3% multiple selectable categories

Syncrony Care Credit 0% financing up to 60mo for medical or vetrinary

there's also a chase amazon card that's pretty good, but i forgot to add it into my big list.

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OMG, I think his brain just exploded!! Lol 

OP, there are tons of good cards out there including some of those above. However, don’t make the mistake of getting too many new cards in your sights at one time. There will be time to add them later. Remember that credit is a marathon, not a sprint. You’re in this for the long term. You’re laying the all-important foundation for your “house” now, so do it right and it will be solid for a long time. I agree with other advice: close low-limit secured card and allow other cards to age. Diversify with lenders. Slowly add cards, maybe just a few a year, as you grow limits on your older cards. Pace yourself and enjoy the process. Too many changes too quickly, especially on younger thinner files, will scare lenders and cause denials. In extreme cases, it can actually lead to AA (Adverse Action) where lenders cut your existing limits or even close cards. Show them you can handle the credit you have before asking for more, and the only way to do that takes time. 

Good luck and welcome to the My Fico Forums!

[Anonymous]

With credit limits as meaty as yours one would be wise to take your advice. ^^^^^^