ForumPheen wrote:Thanks everyone! I will look into those recommendations then. Got to get over my terror of hard inquiries if I want to play fast ball.
In retrospect the best advice I can give you is to be patient.
For a while the only card I had was a Sears store card, for some reason they were the only ones that didn't drop me after my first personal recession. A little later down the road I got a Cap1 secured card and built my way back up. Both of those cards are/were terrible in regards to APR and AF. Sears ended up closing my account due to inactivity a while back; I still have the Cap1 card after more than 10 years to help maintain my AAOA. I regret not using my Sears card enough to keep it active, that one was opened in 1995.
Because AAOA is a factor I recommend getting a no AF card as soon as you are able and just hold onto it. If the APR is high just don't carry a balance on it. I'm stuck paying $29 a year for a card I never use but it has my history...