Hello, myfico. This is the first post I've made here, though I've been lurking around these forums for quite some time (relatively). I just wanted to get some general advice on where to go from where I'm at. I'm 19 years old, with an income of about 35k. The only credit types I have are cards. I got my first card, a secured CapOne Mastercard in May of 2015, with a $50 deposit and a $201 limit. After having anywhere from 20-80% balances on the card, I requested a CLI in November, which I was approved for $300, making my total CL on the card $501. In December, I applied for the Amex Everyday, and was approved for a $500 limit. Since then, my total utilization has dropped to about 10-20%. Last month (Feb 2016) I applied for a CapOne Platinum and a Discover It, which I was approved for a $500 and $1000 limit, respectively. Now my util is at about 5% seeing as how I've kept all my spending habits the same. My question is, where do I go from here on my credit journey? I've never missed a payment, down to <10% util, with a $2501 total limit, 4mo aaoa and anywhere from 680 to 720 (based on fako scores, creditkarma, discover and capone's credit trackers). There are more cards that I want but I do know better than to apply for even more than I've got. So what do I do to better my credit apart from keeping up low balances and on time payments? I really want the Chase Freedom, and I also have a PNC bank account and I'd like to get the PNC Cashbuilder as well. Should I just be patient and wait a year or two before doing anything else?
