When should I apply and for what cc

[Daniboo0824]

I have a capital one I opened September 21, 2020 and a self lender loan I opened December 1st 2020. Credit score around 700 across the board no lates capital one 87/300 and loan 400/525. Between 7-9 inquiries that fall off between September and December of this year 2020. When should I apply for another cc and what should it be? Please and thank you. 

[Anonymous]

Hi @Daniboo0824 and welcome to ficoforums.

Since your file is very young and thin I'd recommend checking for prequlifyed offers. Try cardmatch and if your able to get into navy fcu that would be great for the long run. Make sure you are opted in to recieve prequlifyed offers. (optoutprescreen.com).

 Good luck

[Iusedtolurk]

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@Daniboo0824 wrote:

I have a capital one I opened September 21, 2020 and a self lender loan I opened December 1st 2020. Credit score around 700 across the board no lates capital one 87/300 and loan 400/525. Between 7-9 inquiries that fall off between September and December of this year 2020. When should I apply for another cc and what should it be? Please and thank you. 

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Wait 2020...2019?.

Ok we know what you meant

Capital One is pretty good at giving you another card after 6 months if you have been good with them. I would definitely check their pre-qualification site to see what they offer. The only thing I hate is that they pull all 3 credit reports but at least when they drop off it's 3 inquiries falling off at the same time.

Another pre-qual site I would check out is Discover (with a 700 score you may be good to go).