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Browse credit cards from a variety of issuers to see if there's a better card for you.
With a Credit One card, and a mortgage, I would suggest, over the course of several months:
Get the BCP if the grocery category works at the stores you shop. It won't code at most WalMart, Target, and for me Fred Meyer is not grocery. Regardless of starting limit, this can grow to a high CL.
The Sync Mastercard may be fine. I don't know the card but 2% everything is useful.
Close the Credit One soon after that, to reduce fees.
The BB&T may be a good card, though I would stretch the timing out to be the last of them.
The Credit One card is actually not mine, it is my wife’s card and I am a authorized user, but I’m going to take myself off of it. We got it just to build her credit since she had no past credit at all.
Being as you already have everything in order, and have no immediate plans for an Auto Loan, Mortgage, Personal Loan. Then i don't see the harm in an app spree, that way they all can age together.
I would agree - try for all three. When each issuer pulls your credit - the AAoA will be a bit higher. If you wait for the new account to hit your credit report - AAoA will come down.
Plus when you do get the house paid off - the, ideally, 3 accounts have aged and CL's have increased leaving you stronger in the long run.
That is my 2 cents anyway.....