I have an actual question below, but I just wanted to start off with the basics.
I am a 20 year old college student just starting to build credit and I wanted to make sure I'm doing everything right. I've been lurking around these forums for awhile now which has given me a great starting knowledge base. I applied for my first credit card this past summer and got rejected. After that, I applied for another credit card through my school bank and got accepted for $1,000. I have been using that card for the past 7 months, always reporting a balance below 15% and then PIF. I also recently got a $1,000 card from Capital One, but after 2 statements, it still isn't reporting. I have a 673 CK, which obviously doesn't include the Capital One card. I also have 5 student loan accounts totaling 9K in deferment.
My short term plan is:
-Hoping for a CLI to 1,500 or 2,000 in the next 4 months from Capital One
-Let my accounts age after that (current AoAA is 5 months)
-Apply for AMEX BCE in 12 months (I really like the rewards and have seen people with a short history get accepted)
-Open up several more student loan accounts totaling an additional 80K (unavoidable
-My school bank hands out 5,000 credit lines to graduates but I'm hoping they could give me a 5K CLI instead of opening a new account
-Let accounts age while I worry about student loan payments
I would like to throw a Discover It in there somewhere just to see my FICO, but I don't know if an additional account is worth that.
Now my actual question:
My Capital One card isn't reporting (to TU, at least) after 2 statements. Is this normal? The inquiry shows up on CK, but nothing about my account does. I used an entirely different address when I applied for that card (my school apartment) than I did with my first card. Could this cause problems? Also, does that mean that my apartment will be listed as my primary address on my credit report, since it's the most recent one I've used?