@JuicySmoolyay wrote:
Greetings. I have just recently started to learn how to play this credit game and have made strides but I am now trying to be more strategic. In the past 2 years Ive built myself back up from low 500s to hovering around 700. This year Ive paid off 2 big loans, and 2 more are about to get handled. I also have gotten a Cap1 QS1, Discover, and Chase Freedom along with my CU card and a LoC with that CU. For next year I'm looking to refi my car and increase my CL with the CU card. I want to get a good spread of cards and get back in with Amex since I burned them about 15 years ago. My targets are a Discover Miles and Hilton Honors. Should I even try next year for those cards or just do the refi and let everything percolate for a year? I am still wanting to build my score but I hope to do some traveling in the coming years. Plus any other advice would be welcome.
The longer you go without new credit applications, the better your scores will be.
