That's a lot of new accounts but I get it... and congrats on all the approvals.
My first suggestion is that you set up each and every one of those card accounts to autopay the minimum due each month. This will help prevent any missed-payment mishaps should one of the cards slip your mind when paying your balances each month. Also consider using a calandar with notifications to alert of their due dates.
It's not necessary to use each card every month. Make sure each one is used at least once every 4-6 months (a small purchase will do) to keep them active. Just remember you used it so you don't forget to pay it (this is one reason to autopay the minimum).
So -- you already know you need to go into the Garden and sit there and let everything age. You already have the accounts open so you may as well keep them open til they age to a full year. During this time, you should really think about which cards may be more trouble to keep open then they're worth. Evaluate your spend habits and start making a list of accounts that can be closed and not missed. Anything with an annual fee and no useful benefits to make it worthwhile, close. Anything you have to force yourself to use more than once per year, close. Anything with duplicate benefits or rewards - consider closing.
Don't neglect your secured cards -- give them some monthly spend - even if small recurring charge each month - so you can build sufficient history with the creditors so they unsecure. Disco and Navy are definately worth graduating and holding onto.
Is there a reason you opened an SSL? You didn't need one because you have the student loan... but since it's already paid down just continue on as planned.
Other than that, just keep your spending under control so you don't fall into debt and let time do its thing.
Congrats on all your approvals! .. Wish My Inqs were that low
Edit: for being tired .. missed "Oh here are current inquiries since I started in July 2019."
So I think I am OK.
@Anonymous wrote: I have 11 credit cards that follow:
1. Capital one secured .........................JUL19
2. Discover secured ............................AUG19
3. Regions bank cash rewards ...........AUG19
4. Shell citi ...........................................OCT19
5. Amazon .............................................OCT19
6. Nfcu Go Rewards ............................OCT19
7. Nfcu cash rewards .........................JAN20
8. Chevron/texaco card ......................OCT19
9. Belk ....................................................NOV19
10. Petal .................................................DEC19
11. Capital one quicksilver ..................DEC19
I know. Lots and lots of very new accounts. Just kinda went crazy.
Oh my. That's an understatement! But thanks for your honesty and reaching out.
Definitely agree with the great advice you got above and your own observation that it's time to garden - for a LONG time. With a thin profile, you just opened 11 new accounts in only 7 months. That's an average of one every three weeks or so. It's amazing that Navy FCU approved you for $15K on a new card at the end of this spree.
No reason to close any of these at this point. The good news is that they will all age together. And the other good news is that this gives you the opportunity to build a lot of payment history quickly. You won't have the depth of payment age but you'll have lots of breadth with so many accounts. After this set of cards, I think I wouldn't plan to do anything for 18 months to 2 years unless you try for CLIs. I agree to try to use them all periodically and put them on autopay. You definitely don't need to miss any payments now. And no, monthly use of every card is not required. Rotating is sufficient.
Good luck in your rebuild!
