If you do both in April and Lexie makes very good points seeing as you will have 1 year. Do the Amex 1st and then the Walmart. You should get both.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Oks so apply for both in april?
And what about reducing my apr on my cards. Is that possible?
@Agent_Zero wrote:I didn't mean all of those cards, I just meant go for one or go for a couple store cards.
But oks thank you see that's why I ask these questions.
You changed my whole view on things. So my new goal is to keep my 3 cards and raise my CL's. But what if I can't get a higher limit. Is it possible to get a lower apr?
And when I do go for my 4th card I think I will try to get my foot in the door with amex. Even tho walmart gives monthly tu score.
If your AAoA is 7.0 months, with three cards, and you wait six months and get two more cards, then you will have an AAoA of around 7.8 months.
I can't say what you should do, but I'd probably wait longer, and then get just one, either an Amex revolver like BCE or a CU card with a high CL.
In the meanwhile, you can try to get CLIs, keep your utilization low, and deal with any inaccurate information or derogatories on your reports.
Before you apply check out whogavemecredit.com to check out your chances.