No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
With those limits you are in prime land, I would look at getting a card from American Express, either credit card or charge card which ever the rewards best match your spend. AMEX may look past your INQ's if your report is other wise good, and your income is good, as it appears to be.
If you go the credit card route, After 91 days with the card you can request 3x CLI on the card, I wouldn't be surprised after this is approved, you would have a card with a $25k or higher limit, going beyond $25-35k has been known to trigger a request for a 4506-t to go higher YMMV.
Those Cap One cards (QS and Buypower) most likely aren’t going anywhere. The Disco could grow huge if you put good spend on it. The PP could grow well too since it’s Sync
@Anonymous wrote:Thanks again for the feedback. I wonder how badly the recent card applications will hurt my chances of securing the mortgage. Should I wait 6 months? 12?
12 months since your last account was opened is ideal, both from a manual review standpoint and also from a FICO standpoint, as a significant number of points can be gained on FICO scores when your AoYA reaches 12 months.
When you say that the PP could grow, are you referring to the PayPal Mastercard or PayPay Credit?
@pinkandgrey wrote:The Disco could grow huge if you put good spend on it.
A good spend isn't always necessary for strong Discover card growth. In many instances, no spend results in growth that exceeds the growth that comes from a good spend. My growth in almost 3 years has been about 7X-8X what my spend has been over that same period of time for example.