No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi and welcome to the forums
You kinda answered your own question. If by "credit building journey" you mean increase in scores and better approvals, especially if mortgage is the end game, you have to stop applying.
Your low SL with Amex is probably result of recent activity (credit seeking behavior) and delinquencies (if any) present on your CR.
If all those apps are from May to now, it's time you lay really low for really long time.
It's not a good idea to include Chase cards in app sprees. They can get a little bit neurotic after the approval. Again, do nothing for a while.
If you have any derogs, you can work on those. Work on SUBs. Enjoy your cards. Just dont apply or ask for HP increases till the dust settles.
Congrats on all your progress so far
@Remedios wrote:If all those apps are from May to now, it's time you lay really low for really long time.
May '18 is when he says he started; he may not need to lay that low if his apps have been spread out over the year
OP, I would still review the Amex 3X CLI thread to learn about how Amex gives CLIs & any opportunities you may have. GL!
The others have given great advise.
I would also suggest trying for prequalifications and preapprovals instead of just blindly applying. That way you can see all of the cards you are
prequalified for and you can choose the best SUB based on what is available to you. The Cap One Platinum can probably upgraded to a much better card now. https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade This link will show the available upgrades.
@Anonymous wrote:
... My wife and I plan on buying our first home sometime in Jan-Mar 2021 ... Maybe I should just sit tight and don’t apply for anything until June 2020?
They suggest not apping 12+ months before apping for a mortgage. So if your timeline is solid you might consider doing any adding of cards late 2019. And, if I was planning to buy my 1st house I would for sure get a Lowe's card. Maybe a preferred furniture store as well. Getting them well in advance provides ample time to grow the limits.