Next Credit card to get after Capital One

[mike-fico]

My wife had 753E 728TU 718EQ when getting our mortgage, and mine were higher so the house went all on me.

Her main knock on the Credit Plus report was the length of time revolving accounts have been established.

She has two cards, both from Capital One.  One was a platinum card that was converted to Quicksilver and one Quicksilver.
Her max CL is 5500 on one of them, the other is 1500.
What would be a good CC for her to get next that would give her the potential to grow more than what Capital One does?

She just got a Discover/it offer for 0% intro APR on purchases or balance transfers for 14 months and 3% intro fee for each balance transferred prior to june 10 2022.

We also need to replace a car likely late 2022 or early 2023 and we're thinking of having her carry that loan.  I'm currently carrying the house and a lease of another vehicle.  Thinking this would help her.

[CYBERSAM]

Discover it is a good card to have that can grow!

If you going for a loan, is not recommend to app for CCs till after.

But if you want to add another one, I would say go with AMEX for groceries category and other perks like Shop Small businesses rewards etc..

[dragontears]

---

@mike-fico wrote:

My wife had 753E 728TU 718EQ when getting our mortgage, and mine were higher so the house went all on me.

Her main knock on the Credit Plus report was the length of time revolving accounts have been established.

She has two cards, both from Capital One.  One was a platinum card that was converted to Quicksilver and one Quicksilver.
Her max CL is 5500 on one of them, the other is 1500.
What would be a good CC for her to get next that would give her the potential to grow more than what Capital One does?

She just got a Discover/it offer for 0% intro APR on purchases or balance transfers for 14 months and 3% intro fee for each balance transferred prior to june 10 2022.

We also need to replace a car likely late 2022 or early 2023 and we're thinking of having her carry that loan.  I'm currently carrying the house and a lease of another vehicle.  Thinking this would help her.

---

Did I miss how the main "knock" on her credit (a short history) is being "solved" by opening new accounts? Whether a card limit can "grow" or not doesn't affect the age so I am confused 

[Red1Blue]

May be try for FNBO Card. Lately lot of people are having great success getting approved for FNBO with generous credit limits and with average credit scores.

[mike-fico]

---

@dragontears wrote:

---

Did I miss how the main "knock" on her credit (a short history) is being "solved" by opening new accounts? Whether a card limit can "grow" or not doesn't affect the age so I am confused 

---

Sorry, the point was that her credit is limited by her length of having credit.  But as she adds time with credit, she will start being limited by lack of growth from capital one.  So we are looking at the long game in getting her something that will grow now so that she can both grow and start to have that time with credit.

Now yes, adding a new credit card will hit her score initially.  That's why I'm checking for suggestions on what that card would be, as trying to get the most value for the initial impact as we look for future benefits down the road.    Essentially ripping the bandaid off so things will be better down the road.

Thanks

[HeavenOhio]

It makes total sense for Mrs@mike-fico to get another card, provided that neither of the Capital One Cards is brand new. Discover is a great choice, and it's probable that she'd be able to choose from a wide array of cards. Because of the possibility of an auto loan, I'd stop at one new card for now.

Adding a card doesn't fix the length of time accounts have been established. Ony time will take care of that.

[SouthJamaica]

---

@mike-fico wrote:

My wife had 753E 728TU 718EQ when getting our mortgage, and mine were higher so the house went all on me.

Her main knock on the Credit Plus report was the length of time revolving accounts have been established.

She has two cards, both from Capital One.  One was a platinum card that was converted to Quicksilver and one Quicksilver.
Her max CL is 5500 on one of them, the other is 1500.
What would be a good CC for her to get next that would give her the potential to grow more than what Capital One does?

She just got a Discover/it offer for 0% intro APR on purchases or balance transfers for 14 months and 3% intro fee for each balance transferred prior to june 10 2022.

We also need to replace a car likely late 2022 or early 2023 and we're thinking of having her carry that loan.  I'm currently carrying the house and a lease of another vehicle.  Thinking this would help her.

---

Adding a credit card won't help her with the car loan. The absence of credit applications + the passage of time will increase her scores.

But if you still would like recommendations on a next card, let us know what kind of card she would like.

[bigseegar]

---

@mike-fico wrote:

---

@dragontears wrote:

---

Did I miss how the main "knock" on her credit (a short history) is being "solved" by opening new accounts? Whether a card limit can "grow" or not doesn't affect the age so I am confused 

---

Sorry, the point was that her credit is limited by her length of having credit.  But as she adds time with credit, she will start being limited by lack of growth from capital one.  So we are looking at the long game in getting her something that will grow now so that she can both grow and start to have that time with credit.

Now yes, adding a new credit card will hit her score initially.  That's why I'm checking for suggestions on what that card would be, as trying to get the most value for the initial impact as we look for future benefits down the road.    Essentially ripping the bandaid off so things will be better down the road.

Thanks

---

Sorry but this and your original statement make no sense as to her wanting to add a new card. Adding a new card will not only not help with AoA but it will hurt as it will then make the AoA even newer. The fact that they $5,500 CL is not growing also doesn't hurt her score at all as you've stated. Only way that would hurt it is if she carries a month balance of more than 30% on that card. Like someone else said the only thing that will help her with AoA is time in the garden. Not saying not to get another card. But I am saying another card won't fix the problem you stated.