@Anonymous wrote:Hi all!
I have been reading these boards for a while, but this is my first time posting. I'm a law student and am in the process of building my credit. I have no bad marks, just a pretty small credit history. I was approved for my first CC in March of 2018 (a Capital One Platinum w/$500 sl), a Discover It card ($1000 sl) in June of 2018, and (as of today) an Amex Everday Card ($4000 sl). Right now my scores are: TU-688 and EQ: 726. My plan at the moment is just to garden and, hopefully, get some CLIs during my last 2 years of law school and then to apply for a more premium card when I am a "real" lawyer. I'm thinking an Amex Platinum, but am also considering a CSR. I just wanted to reach out to you all to see if you had any tips on what my next steps should be in my credit journey!
Also, I wanted to thank everyone who posts on here frequently! You guys have been instrumental in me building my credit up!
You've got a good base, I'd just use the cards responsibly and garden for a year. If you're after the CSR, please be aware if the 5/24 rule (no more than five new accounts in two years to get approved for a Chase card; there are specific expections) and the fact the CSR needs a $10K minimum credit line to start. Chase may not want to give that to you without some history with them. After gardening for a year, I would then apply for the chase freedom to get in the door with Chase. Once you've graduated a year after that, you'll still be under 5/24 easy, and the CSR should be easy peasy to get as you'll have history with Chase and income for the CSR.
(There's nothing wrong with Amex Platinum. It's just, if you're interested in Chase, it's better to get those cards first!)
Excellent start here. Just take your time and garden for a bit, get some CLI's so boost your TCL up and work slowly with what you have. You have a great starting base and just need some age and history, that'll take you far in your credit journey. As usual, PIF, AZEO should help you get an even higher score. CSR is a good card but Chase likes to see atleast 1 year of history with them as well. I suggest picking up a Chase Freedom card and using it, possibly as a DD or 2nd DD. It'll help build your profile with them. Also, I would recommend going with the CSP and then to the CSR. Don't wanna jump ahead too quickly either.
Best of luck and keep those scores up, you're doing great!
Best of luck and keep those scores up, you're doing great!
