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Hey guys,
So title pretty much states it.
I just recently opened a Cap1 secured card, $49 deposit for the $200 limit. I'm going to baby it for a few months but would like to move away from it and into something w/ a better sign on bonus or at least decent rewards.
Cards I am strongly considering:
- Chase Freedom ($150 after $500 spend)
- AMEX Blue Cash Everyday ($200 after $1,000 spend)
- Discover IT (Student or non-student?)
I am a college student, AAoA is 9 months, according to CK (not ideal, I know) my score is 727 on TU and EQ.
10 HPs on EQ and 4 on TU.
On TU 2 of the HPs are from a car dealership, one from AMEX when I applied back when I turned 18 (and had no credit.. dumb I know), and the last is from Cap1 in which I was approved.
On EQ it is as follows:
- Cap1
- Discover (Denied for Student IT, "too many HPs, account age too low, util too high (since remedied)")
- Auto Financing (bank)
- Auto Financing (Other Bank)
- 2 from Comcast for home internet
- Discover (When I immediately turned 18, second screw up..)
- AMEX (See above ^)
- Chase (See above ^)
Total combined limit is 16k across 2 accounts currently reporting, will be 16,200 when I add the cap1.
Zero derogs, 4% utilization.
Now I'm thinking I should wait until my auto loan starts reporting, the secured card starts reporting, maintain that for a couple months and then app for one of the cash back cards. I am buying a computer for ~$1,000 in the near future (within 3 months) and would REALLY like to use that purchase to hit the minimum spend and collect that bonus. Is there any chance of this or will I just need to put off my computer purchase/resort to paying cash?
Let me know, thanks!
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