@icibo wrote:Hello, I’m about to move to London for school and was looking for some advice. I currently have a Chase Freedom Rise card which will soon auto upgrade to the Freedom Unlimited card. I’ve also recently gotten approved for a CapitalOne Savor card, which I got for the no foreign transaction fees as well as 3 percent on dining and groceries.
I’m currently looking at the Wells Fargo Autograph card to add to my rotation. It also has no foreign transaction fees and provides a 3 percent point reward on transit, which is the only major category I’m missing right now, as I’ll be using the tube a lot. I think I’d have a decent chance at it, as I’ve been able to build up to a 745 credit score (Vantage, 731 temporarily after getting the CapitalOne card), but I’m not sure if splitting my points up between three cards and taking another credit score hit will be a good move in the long term. If anyone has any advice I would appreciate it greatly.
more good cards is always better for credit building, so it would benefit your overall credit profile to add another card if you think you'll be approved, understanding that there's a chance you might not be approved
so your plan is good, you just risk not being approved, WF is hit or miss with younger profiles, particularly ones that don't bank with WF
