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I'm about to get my 5th statement from Capital One and I'm thinking about getting a second card to help build with cash rewards. My CK score is 710 and my Vantage Score on CK is currently 691. My Credit Sesame score is 656.
I know the fako scores don't mean much, but it at least gives me an idea until I can get my fico scores after getting 6 month of credit history since I have a thin file at the moment.
I've always PIF with my current secured card and I just recently increased my cl from 500 to 600. I plan to increase it to at least 1.5k before I get my 12th statement.
I'm thinking about trying for Walmart or Discover More once I hit 6 months. Should I?
I only have 1 revolving account on my cr, no baddies, and no loans.
I'll probably go the Walmart and Discover route since I hear it's easier to get approved for. I would love to get the Amex BCE as it is a future goal, but I'm gonna wait to build up at least 1.5-2 years of credit history first.
@eviLution wrote:I'll probably go the Walmart and Discover route since I hear it's easier to get approved for. I would love to get the Amex BCE as it is a future goal, but I'm gonna wait to build up at least 1.5-2 years of credit history first.
You might want to consider an open enrollment credit union such as Digital Credit Union which offers a free FICO score. Credit unions generally have lower APRs and can be generous with credit limits i.e. Pentagon FCU and Navy FCU.
Good luck shopping.