@Anonymous wrote:
We are just starting our rebuild and have now opened Cap1 secured ($200) in my name with husband as AU and today opened Disco It secured ($300) in husbands name and will add me as AU. I know the goal is three, but I really am hoping to work on some PFD's and such at the same time, and don't want to have to open a third secured if I can help it. Would it be unreasonable to hope that after 3-5 months with good utilization and payments we could get an unsecured card? And would it be okay to wait that long? I know this is a marathon and not a sprint, but I want to maximize our score growth potential where I can!
You have two decent cards from major lenders. If you want a third one, now would probably be better than later. Check local credit unions if you're attempting non secured card, a lot of them have starter cards.
I am fairly certain in 3-5 months you will qualify for QS1, but I would take a pass on that one because of AF and being notoriously hard to PC.
Good luck
