Recommended third CC

[Anonymous]

I would get a few more cards. The more you have, the better and strong your credit becomes. I honestly never worry about someone closing my cards, I have too many to even care. On top of this, they all give me the flexiblity I want. I will say one little tid bit. Make sure to space out your 0% APR cards. If one card offers 18 months, make sure you can get a HIGH limit on it and wait 18 months before getting another one. I absolutely love 0% APR periods. They are a blessing but also the devil so be careful. Use what you have and not what you want. But yes, just apply to three that you like. You'll thank me later.

[Anonymous]

I'd go for Discover, they have good customer service and can grow pretty well. I was wondering why you want a FU as you already have 1.5% from the quicksilver. I'm not saying that the FU is a bad card, I just think that it may not be a good fit for you, at least from the cashback perspective.

[Anonymous]

I'd probably go with the CF for the 5% categories, you're right.

[red259]

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@Anonymous wrote:
I'm nearing my 6 month of credit history and I have two credit cards. C1 QS and BoA 321. Only 2 hard inquiries per report.

I am adamant about saving my 4th and 5th card for a CSP and either CF or CFU.

So I'm between an AMEX, Discover or NFCU card. I want something that will grow large, past 5k, before I attempt Chase around November.

I'm attracted to Discover for the 5% categories and the double rewards for the first year, and the SP CLI.

I like NFCU because they tend to start large and I do not belong to a CU yet.

Amex grows quickly, but I don't really want an AF so preferred cards don't feel like an option.

I can't seem to choose. Which would be wiser?

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You would need to check but you could look at the Amex BCP or Everyday preferred depending on if you want points or cash back. Check to see if they waive the AF for the first year. If so there is no harm in getting one of those cards and then downgrading to the non-AF version after one year. Amex will allow you to grow your credit line and if you like points the everyday card is a great card to have long term. 

[red259]

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@Anonymous wrote:

I'd go for Discover, they have good customer service and can grow pretty well. I was wondering why you want a FU as you already have 1.5% from the quicksilver. I'm not saying that the FU is a bad card, I just think that it may not be a good fit for you, at least from the cashback perspective.

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OP indicated that they will eventually be going for the CSP which indicates they are interested in Chase UR points. It would make a lot of sense to get a FU card since you can earn 1.5 point sper dollar spent. If earning points and you can move them to travel partners this is much better than a 1.5% cashback card. If someone was just doing cashback then something like the citi doublecash would make more sense with the 2% back. 

[newhis]

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@Anonymous wrote:

Capital One Quicksilver - $300 - Opened Oct 20th, 2016

Bank of America CashRewards - $1,000 - Opened Feb 18th, 2017

Income is $37,000. 

I don't have a FICO score yet.  I won't have one for a couple of months.  My goal was to get a FICO score, get a SSL going for a good boost, then app for my third card.

I know it doesn't mean anything, but CK shows me at 706/701.

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You have cards with low limit, don't expect to get new cards with high SL.

Why not get a SSL now, then wait 3 months so you can have a real FICO and better score thanks to the credit mix.

No need to rush things if you want the CSP. Wait until you have pre-qual or October/November, the minimum SL is 5K.

You may get an increase on your QS card in the next month or so.

If I were you:

- get SSL

- wait 3 months

- increase your QS limit

- get Discover or Amex

- wait until November to get a Chase card, I think CSP to start with 5K.

Good luck.

[precision]

You honestly need to wait a couple of months until your FICO generates.  If you get another card now you will get another toy limit.

Once your FICO score generates you will likely be at least in the low 700's.  At which point I would get a NFCU membership and apply for one of their cards.  If you are in the low 700's you will likely get at least a 10k line.  Then (and I know you don't want to hear this)  wait 3 more months.  Then do the CSR/FU or CRS/F5 combo.

Nothing is guaranteed but this is your likely best path to achieve your goals.

Please be patient.  I was in your boat just a few months ago and had no credit score.  After my score generated I apped for a Citi Costco 5k, Chase F5 4.5k, and few others  2 months after that I apped for NFCU and got 14.3k.  I should have did the NFCU app first.

In summary,  be patient, app with a strategy to avoid toy limits, be patient, and be patient again.  Just make sure you get in with NFCU as soon as you get scores.  They will be the pry bar for larger limits for a thin file. 

After you get decent Chase limits and have that decent NFCU line everyone else will start opening their coffers.  If you go for them now you will end up with happy meal limits. 

[Anonymous]

I had planned to get the SSL after my fico score hit out of caution. If my 6 months mark hits and I have the full SSL reporting and not the sub 9% amount reporting, it would mess with my score. Do you think that's an issue worth worrying about?

I appreciate the advice on which cards to pick. I am still undecided on whether Amex or Discover is best. Amex may grow quicker so I'm leaning towards them.

[Anonymous]

The thing with Amex is they are known for taking it away as fast as they give it if something along the way triggers their algorithms.

[Anonymous]

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@Anonymous wrote:

The thing with Amex is they are known for taking it away as fast as they give it if something along the way triggers their algorithms.

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Can you ellaborate please?  That's a bit disconserting.  What could trigger them to decrease my CL?