When to apply second Credit Card

[Anonymous]

Hi Everyone,

I am holding CapOne CC with $750 limit from 8 months. I want to apply for CC offering bigger limit and offers. Which credit card should I apply and when. I am thinking to apply for Discover More card which is no annual fees and offering some cash back. Please suggest!!

[injustifiiable]

Mind sharing your scores and credit profile? Would help us better recommend cards you're likely to get approved for...

[Anonymous]

My TU Score is 724, I have been denied by chase and BoA 2 months back. I have applied for 2-3 store cards last year before getting CapOne Card. So in totall I have around 5-6 hard inqueries in past 1 year. I am living at same residence from 1 year.

I have been paying CC dues on time and CapOne increased my CL from 500 to 750 after 6 months, i.e 2 months back.

[injustifiiable]

Oh I'm just curious...why did BoA and Chase deny you? Short/no history?

[Anonymous]

Correct. All denials were due to short history. Now I have completed my 1 year at currect residence and have 8 month credit history with $750 CL. What are chances of approval of Discover More Card? Or should I apply any other card with approval chances?

[Anonymous]

OP, it may still be too soon to get a better credit card/line of credit; though getting 1-2 more cards should help your credit report another year from now.  I would suggest getting 2 store cards (that report) and wait 1 year for the inq's to age and then apply for the discover and other cards.  GL on your Journey.

[Anonymous]

Can someone suggest me which are easy to get credit cards at this time? I want to make good credit history .

[Anonymous]

Zales (jewelry stores), best buy, lowes, walmart, and secured c.c.'s.  You will be looking at sub-prime cards, do some searching on the forums and look up what some people got approved at with income/credit score for the differnt cards. GL.

[Anonymous]

If you do decide to get the addiontal cards, wait at least 1 year before APP'ing for a bigger card; your chance will be greater then.

[Anonymous]

Thanks Friends for your support. My Discouver card got approved with decent CL.

Any suggestion when should I apply for next card ?