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I just got done with a credit card application spree. My credit has taken a hit though because of the recent hp I received fromthe lenders. Although I will let them age and I will never do that again. I have all maor credit cards and one store card. I will use the benefits of my cash back card.
Currently in the garden.
I also recently did an app spree. I am done for now.
9 months ago I got my first credit card with a $300 secured USAA. 6 months ago I was added as an AU for $300 secured CU card. I quit until January 1st. Since then I've apped for Fingerhut - approved $700 CL. I apped for CapOne QS1 - approved $500 CL. I apped for BoA - approved $500 CL. Target denied me and Amazon denied me - but that's because I have a Chase bank derogatory on my Chexsystems that I need to deal with. I'm feeling the effects of credit inquiries now on my score and those denials put me into garden mode.
All things considered, 10 months ago I had ZERO revolving credit. Now I have $600 secured and $1700 unsecured. If I garden properly, my score should see a nice boost in a couple months.