Lawyer_Milloy wrote:The main thing I'm worried about is my relatively short credit history and my lack of any kind of history other than credit card.
Then don't close your existing cards. While they will continue to report for 10 years you probably want to keep 2-3 open for ideal credit scoring. Additionally, closing a $15K tradeline will drastically affect your utilization.
Lawyer_Milloy wrote:Most of my credit card spending is related to dining or shopping, so are there any cards that would maximize benefits from those areas? Thanks for any help.
What shopping categories? At what types of stores? Reward categories on spend tend to be a bit more specific than just "shopping". Who would you be redeeming rewards with? Look carefully at the Membership Rewards and Ultimate Rewards transfer partners as transfers generally offer greater rewards value.