@Anonymous wrote:I would just keep working the cards you have, especially Dioscover. Put spend on it and eventually they'll graduate you, and get higher limits.
I would wait to app nayhting until your Scores are btween 620 and 650 at least.
IMO it's bit too early to go for a travel card, at least a good one. Once you score is higher I would recommend Citi, they also have a secired product if you fine you cannot wait. Or still find it difficult getting unsecured CC.
If you eat out that much, perhaps the Savor should be on your short list. Especially since Amex and Chase are a while off.
Also, now that Cap One has he Walmart card. You might look into getting that for shopping. I'm not much of a fan of Cap1, but since you're already in with them there's that.
haaaa, yeah, I guess I should wait a bit longer.
I think I've decided that I will just go ahead and use my Discover card primarily because I honestly don't want to take anymore triple pulls from Capital One. Especially the more I read around the forum and that if you get approved with a low limit card, it's likely to stay that way.
I already am contemplating closing my Platinum secured with them after my Discover card graduates, so I'd rather not get stuck with any other low limit cards from them that may not grow over time.
I wonder if the Discover secured grows over time? I mean, I know they have the initial credit bump after they unsecure it, but does that continue to get bigger over time? Or do they just... "bucket it" too?
I thought about the Venture after getting my credit scores up a bit to the 640 range, but still... I don't know how I feel about it. Would you say the Venture is worth it or should I just wait it out to get a better travel card?
Thanks for your input! I'm just trying to plan out my next steps for my credit goals. 