- Centurion Member
- Posts: 4131
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I wouldn't bother with secured cards. Secured cards are for people who are rebuilding or who haven't been able to get decent unsecured cards. It's better to have a short history than to have a bad history. Your plan is more conservative and cautious than is probably necessary.
I got an Amex PRG with 6.5 months of history, and an Amex BCE (comparable to ED) with about 9.5 months. Amex is pretty warm towards people with a short but clean history. They're really not as conservative as they were years and years ago.
I'd wait until April (when you have a full 6 months of history reporting) to get another card, but I'd go for a no-fee rewards card then. Maybe something from BofA, if you want a card from them. Maybe get an Amex ED with 10 months of history (if you don't want a charge card).
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
Plan to PC: Prestige to DC
SD with activity alerts, might close: Arrival and Brooks Bros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH