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For optimal scoring, all zero except for one. So in your case, one should have a balance of less than 8.9% utilization while the other reports $0.
Congrats on your approvals. Soft pull CLIs are possible on both cards so nurture them well.
@Anonymouswrote:
Thank you, ok so gardening with these two for a min will be enough to generate a good score after 6 months or so? I have no score.
Ideally you should have one more card to maximize but I would stick with what you have for now. You got two nice cards that aren't technically rebuilders and with no credit score. Unless someone can chime in on another card you can get I would sit tight and check your scores when they finally appear in 6 months. And congrats on your two new cards!
Congratulations on your cards. Take care of them and they will return the favor.
@Anonymouswrote:
Thank you, ok so gardening with these two for a min will be enough to generate a good score after 6 months or so? I have no score.
Yes, scores should generate within 6 months. Unless you want to go the secured credit card route and take up precious card slots, I’d garden until 6 months. Every inquiry temporarily stings hard at the beginning of ones credit journey. I think you’ll easily be in the high 600s/low 700s, if you play this right. I’m excited to watch this play out.
I would also suggest a shared secure installment loan/self lender loan to maximize FICO scoring as well.