- Green Member
- Posts: 3
- Joined: Wed Jul 25, 2012 9:36 pm
- Location: USA
I'm working in the US on a long term non-resident visa, making about 50,000 a year, but I didn't have any US credit history until Capital 1 approved me.
My current credit accounts are
$750 Capital One Card with 1.25% cb (about 8 months old)
$4000 Citi Forward with 1 point/$ (about 1 month old)
I don't carry a balance and I always pay on time. I put safe online purchases and foreign purchases on the C1 and purchases where I want protection on the CF.
I want to build up credit so I can get frequent flyer mile credit card sign up benefits. I really want a Chase UA Explorer or a Citi AAdvantage, but I was rejected for both of those. In the process of getting rejected for those and other cards, I have 8 hard inquires.
Any suggestions on what I should do to build my credit with the aim of getting a UA Explorer card? I'm thinking I should wait 6 months to let my cards age and the hard inquiries fade, and then apply for the UA Explorer again. Does that make sense?
I appreciate this forum's expert guidance.