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Credit Score recently generated, what should I apply for next?

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Re: Credit Score recently generated, what should I apply for next?

I agree with @allzero, you don't want to get to 5/24 when first starting out when you don't realize what options you'll have as your credit ages. 


Message 11 of 13
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Community Leader
Super Contributor

Re: Credit Score recently generated, what should I apply for next?

Hi OP and welcome to My FICO

All great advice given here, and I want to second K-in-Boston’s advice, especially:

“I encourage you to decide long-term what card(s) fits you best. Do you want travel rewards or cash back? What does your monthly spending look like? No need to get what you can be approved for, get what makes the most financial sense to you in the long term.”

No words truer spoken.

You’re new to credit so there’s no need whatsoever to rush out and get a card. Take your time. Do your research to discover what different cards have to offer. Be patient so your wallet has the cards that are useful to you and one’s you enjoy having.

And read, read, read the posts on this forum. It offers a mountain of valuable information. You’ve come to the right place to start your journey.

GL2U

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 12 of 13
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Established Member

Re: Credit Score recently generated, what should I apply for next?

Thanks for the advice everyone. Especially @CreditInspired and @Kdot, I'm just going to wait a few more months and let my score get higher and my credit file gain more age before I plan to acquire a new card. You guys probably saved me from a hard pull haha.

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Message 13 of 13
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