@elixerin wrote:
which is why i was on disco $500 secured for 7 months, they 4xed my line and gave back my deposit and im still showing that im a responsible burrower. All this was while cap1 was struggling to raise me from $300 to $500 with no rewards. It’s the company more so the card. how long did you wait when you first established credit (not re-establish) for the “big dogs”?
Two years after having the same card you trashed to start with. I started at one card out of BK (which you dont have) at 1200. Went thru all 5 Cap1 cards and ended up with $36k with the 3 below in 2.4 yrs. Then came the the rest one by one. Now at 77k in 3 and a half yrs. You have to prove yourself first for at least a year until better things come long as your scores go up then the card choices go up with it. You could have upgraded that Plat to a QS to get cash back after 3 months.
But you never gave it a chance. In time (see below) I closed the bucket cards because I made it out of the starter arena. You could have better cards in time than me. Because you dont have to live with a BK like myself. So I'll just say its the card not the company that builds credit. FICO could care less what the name is on the card. You dont get more points for a AMEX over a Credit One. Good Luck.
if you only see prequals for their hotel and airline co-branded cards then that's not a good sign for apping a cashmagnet!
this prequal tool might think you're only interested in hotel cards. what you can do is go browsing the cashmagnet card page before you do the prequal, it uses tracking cookies to see what you click on and pages you've been to. so you want cookies enabled, don't do the prequal in a incognito mode where it's blocking cookies and etc.
when i did prequal they only showed 3 offers total. my prequal page was a bce, a gold chargecard, and a airline card. and that basically meant: any creditcard, any chargecard, any airline/hotel card.
this is how it used to look for a prequal:
try the instructions on this page, see if you get different prequal results
https://www.doctorofcredit.com/how-to-check-to-see-if-you-have-any-targeted-american-express-offers/
that means you're good to app for it right now! i think the bonus offer will be $200 for cashmagnet if you go there in a incognito browser. when you go there, don't do the prequal again you just go to the page with the cards and see what the bonus offer is. 
@elixerin wrote:heya friends, i was looking for some advice on my 1 and only discover card.
Currently ive been religiously reporting a $0 balance every other month im not having a 15-20% balance reported.
Is this how it should be done? main goal is high scores in the shortest time possible while ofcourse being patient, i wanna take on more rewards and credit and might try to app again in next statement ($0 balance report for me)
should i keep following this route? for a better background i have a $2000 credit limit and spend around $5-6000 every month so statement balance is always paid its just a reporting game im playing here, dont know if its helpful or even if im doing it right. also im at 11 month credit history about to be a year coming nov 6 no loans or derogs
Thanks for reading and the help!
My advice would be to test it. For one month let a $25 balance report, and see if your FICO 8's are higher or lower than they are with the zero balance.
If you expand to 2 cards, then you can definitely let one report a zero balance, and the other report a small balance, for optimization of your FICO scores.
