Ok so I am 24 years old, just got a new job with an income of 45k, previous job was about half of that and I need help with building my credit score up. I have two credit accounts at this time with one being Discover IT (opened 07/13) 2k limit, and my first card Citi Student Forward card (10/12) $1500 limit. Credit check shows everything being ok with my accounts always paid off early but it says my credit history isn't long enough and I have high ratio of your revolving balances to your credit limits with it being 28%. I have no monthly bills at the time to help with the score due to living with a roommate and no bills in my name.
Would opening a Delta Gold Amex card hurt my score any since I opened my last card in July and would I be able to obtain the card with my score? I am starting to travel more now and would like to have the sky miles.