What card to get next after Discover?

[Anonymous]

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Hey guys I just made a post similar to this one so I apologize in advance but I couldn't get a clear answer,

My first credit card Discover just graduated after 7 months and my credit score is now showing to be 730

Im looking for a new card to get. What is the recommened card i want to make my credit score higher, more CL,  and just overall better.

From what i understand this journey should lead to Chase Sapphire or Amex Plantinum and above

Thank you

[Anonymous]

Hey guys,

My Discover Secured graduated and Im getting my deposit back as well as a credit limit increase.

My credit score is 730

Do you think a chase card would be a good idea right now? I'm working towards a high level card like Sapphire or Amex

Any answer is greatly appriecated

[MrDFinance]

Need some more Data..... Inquires?.... Average Age of Accounts?.... Any derogatory marks on your report?

Have you tried any prequals yet?

[Anonymous]

Inquires: 1

Age: 7 months

No derogatory mark

No I haven't received any offers yet.

Thank you

[MrDFinance]

Chase and AMEX tend not to like thin files (accounts with Less then a year of history) ...

I would honestly wait til your just over the year mark with your histrory before you go for those 2 to increase your chances ...

Capital One is a little more forgiving in this area.... If any of those cards interest you

[Medic981]

Welcome to the myFICO forums!

How many tradelines or credit cards, loans do you have reporting to your credit bureau files?

[Anonymous]

Only 1 discover card nothing else

Not sure what a tradeline is 

No loans

[Pikaboo-icu]

Welcome to My Fico.  

Have you tried the Chase prequal site? https://www.chase.com/prequalified

If no joy, AMEX and CapOne both have prequal sites as well. 

Good Luck! 

[Medic981]

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@Anonymous wrote:

Only 1 discover card nothing else

Not sure what a tradeline is 

No loans

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A tradeline is a creditor account listed on your credit bureau file. In my humble opinion, I would apply for a Capital One Platinum card. If they turn you down, then I would use the money Discover refunded you and apply for a secured Captial One Card. Capital One is a great starter card, however, you will be bucket limited, meaning you will never grow the credit line into a large amount. 

As you can see on my signature line, Captial One is my starter card.

[MrDFinance]

I agree.... Check the prequal sites and if no offers show I would just sit tight and continue doing what your doing and revisit applying once your history is a bit longer....(Unless you find a Capital One card you like)

Your obviously doing a good job if discover graduated you in 7 months ....