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For some background I'm 22 years old and I just started working at my first fulltime job. I am wondering if I should get another credit card or just stick with the ones I have. According to Credit Karma my score is 710
Current-
Capital One MC Platinum -$750 limit - about 4 years old
Victorias Secret Angel Card -$1100 limit - about 2 years old
American Express Blue Sky Preferred -$2200 limit - about 1.5 years old
Walmart Discover - $1800 - Just got it last month (financed an Ipad)
So none of these cards have great rewards and all of the APRs are around 22%, I don't plan on closing any of them but would like one main card to use for most expenses.
Currently I have 3 or 4 hard inquiries on my account (I just financed a car)
I was considering getting one of those travel rewards cards that has the annual fee waived for the first year and get all the new bonus deals, then cancel it after a year and repeat? Or dont cancel it?
@lma0423 wrote:For some background I'm 22 years old and I just started working at my first fulltime job. I am wondering if I should get another credit card or just stick with the ones I have. According to Credit Karma my score is 710
Current-
Capital One MC Platinum -$750 limit - about 4 years old
Victorias Secret Angel Card -$1100 limit - about 2 years old
American Express Blue Sky Preferred -$2200 limit - about 1.5 years old
Walmart Discover - $1800 - Just got it last month (financed an Ipad)
So none of these cards have great rewards and all of the APRs are around 22%, I don't plan on closing any of them but would like one main card to use for most expenses.
Currently I have 3 or 4 hard inquiries on my account (I just financed a car)
I was considering getting one of those travel rewards cards that has the annual fee waived for the first year and get all the new bonus deals, then cancel it after a year and repeat? Or dont cancel it?
Welcome to the forum and bravo for being 22 and managing to build a nice profile it speaks volumes
Since you are a Amex customer and if you don't carry balances I would look at gold and plat charge cards
I'm sure others will also have great idea's for you as well
Thanks!
Yea I requested one a few months ago and it went from 2000 to 2200 :/
Also what is a "PC"? I would consider upgrading my Amex to the Blue Card Everyday, but I don't want the Blue Sky to be cancelled, just upgraded, is that possible?
Is your Blue Sky the Blue Sky Preferred (as you list)? With a $75 AF? If the rewards from that card aren't what you need, then people are suggesting you "Product Change" the card to a BCP/BCE. This basically replaces one card with another, keeping the history and avoiding another app and a new account. (Downside is that you don't get any bonuses that apply to people getting the new card, but with Amex rules you might not get them anyway).