I started off with no credit card and decided to take a plunge and find the best suitable CC for me about a year ago ( Mid 20's about 60k income)
First went to my direct bank that i have had for years and obtained Chase Freedom card ... with about a limit of 1K. Around the same time i applied for the TE bc i thought i would be approved... WRONG... obviously .. well... finally did some research and found this website and was enlightened!
So what i did was wait 6 month from my first CC and applied for Zync Amex card bc i do a lot of shopping at costco (gas groceries... cheap pizza... bulk alcohol ... you get my drift)
So fast forward another 6 months ( paying all CC in full every month for about a year) ... Freedom card is at 2K limit... Zync spending was about at 1K avg. a month paid in full... finally decided to apply to TE
Applied and a few days later was approved
with a 7K spending limit
So in conclusion...
2) Pay on time
3) Read on what CC is best for you...
4) this website has been a such a great help couldnt have done it with out it
Not sure what I should do with my Zync card ... keep it/cancel it after a year ? i use the packs but not sure if it would worth keeping it after my 1 year is up ... any suggestions? I dont travel thatttt much 3-4 x a year ... thanks for reading... hope it helps someone as confused i was about the whole CC thing.