Hello, I am fairly new to this board as well as the credit world.
Heres a little background on my credit history. I am 19 and opned 2 credit cards from subprime lenders since I bank with Chase and they declined me when I turned 18.
Capital One Secured SL-$200 which was CLI to $500
Credit One SL-$300 which was CLI to $700
I recently went on a spree after my accounts turned exaclty 12 months old.
I was approved for
Amazon Store Card-2200
Amazon Visa-2500
Citi Thank You MC- 2300
Discover It-2500
Amex BCE-1000
I did close my two oldest accounts due to the low limits, horrible interest rates and annual fees. I do know my credit will be taking a hit since I closed these accounts and added so many new inquirires. I am ok with this as I am not going to need credit for anything anytime sooon.
I didn't expect to be approved for the Amazon store card and just decided to try for the Amazon Visa for the hell of it and was really not expecting that approval at all!!!! I don't really want the store card anymore, not sure if I should close it or not?
My scores have greatly increased since last year. I was in the mid 500's and currently, I am sitting at
TU-731
EQ-721
EX-723
Not sure if I should garden for a while or if I should app any other credit cards and just let my credit suffer now and then garden later. I have been reading a lot of good things about barclays and really want another chase card but i know i am over the 5/24 rule...
ANY ADVICE IS WELCOMED!!!
