I posted a while back, and looking to try to clarify some advice I got the last time around.
24 year old law grad, good job, but virtually empty credit file (I think I have some random positive thing, but not enough to calculate a credit score). Nothing good, nothing bad.
I applied for an Amex Blue Cash Preferred, but was rejected. No other hard checks recently.
What I want
Looking for a good rewards program, ideally cash back since I don't shop at one airline/hotel/store. Was looking at both the Chase Freedom and Discover More, and also the Home Rewards program. Ideally it should have a fairly nice welcome package, although I will be spending a lot so the higher %s are good. Most spending would probably be on food.
Anyways, I'm looking for:
(1) info on what cards I should apply for, and likely get; and
(2) whether my applying for cards (and hence having a hard credit check) hurts my credit given I have none