What card should I get?

[Anonymous]

Hello! I just passed my 6 month mark of building credit. My oldest account is a self lender loan that’s 6 months old, my next account is a green dot platinum secured card that is 4 months, and I have a discover it secured that’s 3 months old. My FICO score is 690. I was wanting to start building my credit card base but I have no idea where to begin or what I’d qualify for. Can anyone provide me some advice? Thanks in advance!

[xaximus]

Hi Welcome to the forums!

Ideally, you want 3 cards and a loan to help maximize your score. There are 3 scores (EQ, EX, TU). Ideally, you wanna have all 3. I would check prequals for Cap1 and Amex. If nothing there, I would check out Fingerhut and OpenSky. Do you have any baddies/negatives that are holding your score back?

[Anonymous]

No I don’t have any negatives holding my score back. The two sections I’m doing poor in is age of credit history and credit inquiries.

[xaximus]

On that note, I would get either one of the cards mentioned above, or if you have any prequals. Then garden for a bit so you can develop some age on them.

[SouthJamaica]

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@Anonymous wrote:
Hello! I just passed my 6 month mark of building credit. My oldest account is a self lender loan that’s 6 months old, my next account is a green dot platinum secured card that is 4 months, and I have a discover it secured that’s 3 months old. My FICO score is 690. I was wanting to start building my credit card base but I have no idea where to begin or what I’d qualify for. Can anyone provide me some advice? Thanks in advance!

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I would wait a while and build up a track record with the 2 cards you already have. Wait until your FICO 8 scores are at 700 or more across the board and then come back to us. Give thought to the type of card you would get the most use out of.

[Anonymous]

Alright thanks!

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:
Hello! I just passed my 6 month mark of building credit. My oldest account is a self lender loan that’s 6 months old, my next account is a green dot platinum secured card that is 4 months, and I have a discover it secured that’s 3 months old. My FICO score is 690. I was wanting to start building my credit card base but I have no idea where to begin or what I’d qualify for. Can anyone provide me some advice? Thanks in advance!

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I would wait a while and build up a track record with the 2 cards you already have. Wait until your FICO 8 scores are at 700 or more across the board and then come back to us. Give thought to the type of card you would get the most use out of.

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This.

Credit building is a marathon, not a sprint. I know people who have gone routes that include Credit One, but I found patience to work for me. I probably wouldn't do anything until your Disco graduates, hopefully at the 7 month mark. (I was in your shoes too and very antsy! Check out the garden as it may help you!)

[Anonymous]

Thanks and I was wanting to avoid credit one and cards similar to them at all cost