What should I do now?

[Reeflex]

Hello everyone, hope everyone is having a lovely day.

To start off I’m kind of stuck in the sense of I don’t know what I should be doing right now. I currently have 3 cc’s | my oldest one Wells Fargo Platinum card $1k limit 1 year and 2 months old | American Express Cash Magnet Card $15k limit 5 months old | Discover cash back card $1.5k limit 4 months | and a $31k auto loan 2 months 5.5% interest | my AAoA is 6 months according to CK

According to CreditKarma (I know their numbers aren’t the most accurate) I have a 677 for TU and 672 for EQ | I checked on the credit monitoring part that discover offers and have a 736 in my Fico score 8 and for the American Express credit monitoring part 716 which hasn’t been updated like the discover one. | I also have 5 hard inquiries on EQ | and 2 hard inquires on TU | My question is what do I do now, what should I be focusing on and what should I be trying to improve? Around 2 weeks ago I asked for an increase on both the AMEX and Discover, which got approved. I’m not sure if I should try and apply for another CC or if I should just harden a bit. Any tips on what I should do?

[simplynoir]

What you have currently is good. I would sit tight and garden while also strategizing what you want from your cards for the long term.

[Reeflex]

What do you mean strategizing what I want from them long term?

[simplynoir]

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@Reeflex wrote:
What do you mean strategizing what I want from them long term?

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I mean what do you want from your cards as you use them.

Are you a traveler and need a rewards card that earns points/miles, cashback so focus more on your every day spend to reflect that with gas/groceries for instance, things like that.

[CreditInspired]

First, kudos to you for having 3 prime cards and getting CLI approvals.

Now to answer your question:
*Garden
*Don't apply for any more cards until your AoYA age to 12 mos.
*Setup auto pay for min payments (push pymts)
*Get in the habit of PIF
*Forget CK. Only use for monitoring.
*Never, ever miss a payment

You’re on the right track.

[Reeflex]

Oh I see, so find a purpose for a specific card. Like have my discover cash back for cash back and down the road an air points card, etc...

[Reeflex]

So wait till around next year to apply for a new CC? And to garden is there anything else that I should do other than keep balances low and pif, etc...?