So I've had my Capital One Journey card for a little over 6 months now. I've paid in full every month, always less than 10% utilization ratio etc.. And low and behold, a month or two ago my CL was increased to $750...I think I'm off to a pretty good start
That being said, I am looking to pick up a second credit card so I can start charging more items (instead of paying via cash or debit), mainly to spread it across another account to keep the utilization ratios low. Also, I feel like Capital One isn't going to hit me with another increase (from what I read) so I would like to just keep that card for subscriptions and smaller purchases once and a while.
Does anyone have any recommendations for cards? I've been wanting to get my foot in the door with Amex but I'm not sure if I should wait longer before applying with them.
FWIW, my credit report only has an inquiry from Capital One (denial) a little over a year ago and an inquiry from Discover about 8 months ago. Also a few small pulls here and there for miscellaneous stuff as well but nothing major.
Any insight is appreciated!