First off I just wanted to thank you guys for the awesome reviews and discussions I've found on this website. I've been a guest viewer here for a while, and now I finally registered for an account.
I'd really appreciate some advice regarding how to proceed with my credit future. I'm 18 years old as of this March, and I want to work on building my credit. Luckily, I'm blessed with parents who have been generous enough to add me as an authorized user on two charge cards, an American Express Green card, and an American Express Business Platinum card. (No real spending on them though, just for strict emergencies, and airport lounges with the Platinum
) As a result, I have a CreditKarma score of 622.
A few weeks after I turned 18, I applied for an AMEX BlueSky card (dumb) because I figured my credit of ~740 was good enough. Wrong! I was denied, likely because I have such a short history. I applied for the card because I wanted to improve my [nonexistent] credit utilization ratio. Which is untouched by AMEX charge cards (correct?). I also wanted a credit card that I could actually use, not just have in my desk drawer to jumpstart my credit score.
A few days ago, after contemplating my upcoming move to college and feeling especially independent, I decided to try again to obtain cards in my own name. I applied again for: AMEX BlueSky (really dumb), as well as first time applications for: Chase Sapphire Preferred (because I'm going to be traveling a lot for college and appreciate the lack of oversees fees), a Citi Freedom card (because it actually seemed attainable), and an AMEX Zync card. (Because I really like AMEX.)
I was denied for the BlueSky again, as well as the Chase Sapphire Preferred. I was automatically approved for the Zync, which I took because I can convert the Membership Rewards Express points to Membership Rewards First points via the Platinum Card my parents have me authorized on. (Which basically lets me have the $450/yr Platinum card for $25.)
Unfortunately today, I received a message from Citi asking me to verify my status of a student by submitting a copy of a paid tuition bill or student ID to them via mail in the next 30 days. While I am a student, I don't start college until September so I don't yet have my ID or a tuition bill.
My questions are: a) what should I do about the Citi card? Should I try to find another document that they'll accept, or just let it go? I haven't found their support to be very helpful, so I doubt they'll accommodate me, but perhaps someone on the forum with experience in this can help me?
also, b) If I do just let the Citi card go, should I only keep the AMEX cards and not apply for anything else for a while (avoiding more harmful hard inquiries,) or is it more important that I have a traditional credit card that lets you carry a balance to improve multiple aspects of my credit history (like credit utilization ratio) over time?
I figure now is a decent time to take the hard inquiries on my report, as I'm young and don't actually need good credit yet, and it'll have time to rebound before I do.
I'd really appreciate any guidance in this matter. Sorry for writing such a long post, but I wanted to paint as clear a picture as possible. Also sorry if this is in the wrong forum! Thanks for all you guys do!