Short history, should I get more cards?

Questions › Short history, should I get more cards?
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Kristan MacKillop asked 5 years ago

So I’m 19 and a college student so my credit is pretty young. I have 2 student loans that report that began 11 months ago but im not sure how thats factoring in to my AAoA.

Should I go for a student credit card… I am a college student trying to build my credit history. While shopping for credit cards, I notice that banks offer student credit cards for college students. Should I go with the student cards or…
Why do the college credit cards say that..? There are credit cards that are specifically for college students, but they denied me for having no credit history..what?! College is where most people obtain their first credit cards which means they're beginning to establish…
What type of credit card should I select? For my economics class, I need to pick the best type of credit card that would work for me. My options are: 1) Low APR 2) No annual fee 3) secured credit card 4) student…

 

My cards:

Capital One Secured $ 200 CL (Opened 3/2016)

Discover IT for Students $ 500 CL (Opened 5/2016)

Amazon Store Card $ 1,600 SL to $ 5K CL (Opened Last Month)

Walmart Store Card $ 1,200 SL to $ 5K CL (Opened This Month)

AMEX Blue Cash Everyday $ 500 SL (Just approved last week, on its way)

 

FICO Scores:

TU Fico 08 687 with 11 inquires

EX Fico 08 714 with 3 inquires

EQ FAKE 690 with 1 inquiry

 

Ive gotten no late payments or collects or anything. Everything is clean. 1-5% utilization usually reports and I PIF.

 

How am I doing? I’m thinking of what to do next. Any cards I should go for? Chase denied me for FU because of my young credit age (recon?). I was thinking of applying for PenFed because its one HP for 90 days and they pull EQ which I have only one inquiry on. Should I go for Citi?

 

Also, I’ve tried every website prequal and I’ve gotten no offers. When will those start coming?

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