advice on what to apply for next...

[Anonymous]

Very interesting post, your own personal credit is too new but with the AUTH you have high scores but got denied still.   Same boat as you but have 4years and 5 months gardening, and will be applying soon for cards in my name.

[Anonymous]

When I started out, I had an AU on a small Cap One QS, a very small Cap One Plat, and like 2 Comenity clothing cards, all 1k or less. But I used them every month A LOT and PIF but left like, ... 5% util just in case. Suddenly, I got 2 in mail offers. One for a Citi Diamond Pref and the other for Discover IT, both BT. I waited maybe 2 months to see if the offers kept coming, and they did! I was SO psyched! After asking Cap1 QS for an increase one drunk night (and all 3 of my scores all just over 700), I thought "do it!" I called Citi, got $5500 immediately!
I almost died!
Next week, I tried Discover for BT IT, and got $6500!
So, ... yeah! Build it up! And look around at cards online, like an invested shopper (at least, that's what i did) and eventually they all start to knock on your door. HARD. But you have to use them often, PIF (but leave a lil something to work with) and get varied cards, from like many good banks. That entices other banks to offer (usually). Right now, I just PC my Cap One QS to Venture, My Citi DP is at 14k after my SP CLI night before last and I want to flip that towards either DCash or Thank You Points (until I catch up to that Chase Dragon ...).
So, yeah. I used 2 BT cards to get past 10k each, now after 2 years, I am starting to plan for points.
Just IMHO. 😅👍

[KLEXH25]

Sorry to hear about the AMEX denial, OP. Even with great scores and the AU, it sounds like card issuers want more of your own history. How long have you been AU? I think a secured Discover is a better bet. Try to do a large deposit so you can get your foot in the door with a higher limit. New card offers should soon follow. Just needs time.