Well, a year ago, I posted this thread
to see how I was doing. At the time, I had a $500 Zync, a $300 CapOne, $1500 on Discover, and a $3000 Citi Simplicity.
My usage model paid off. I apped a bunch of cards last month to help pay for my upcoming honeymoon (again, not necessary, but I'm all for building credit!). Here's what I have:
$500 Amex Zync
$300 Capital One
$3000 Citi Simplicity
$1900 Discover It (automatic CLI from $1500, and a requested product change)
$1500 Bank Americard Travel Rewards (got it for the introductory offer, and no foreign transaction fees)
$4000 Citi Diamond Preferred (18 months no interest, 11.99% thereafter)
$5000 Chase Freedom (18 months no interest, 5% cashback rotating)
$6000 Chase Slate (18 months no interest)
$8900 Chase Marriott Preferred (Visa Signature, 70,000 points signup bonus, which will help with the honeymoon. Also, it's metal and feels wonderful to hold.)
This is what I have after a couple years of active credit building, starting at a CK of 630 two years ago, to a high point of a 770 FICO on one of my recent acceptance letters (back down to 730 after all those inquiries and new accounts).
I did it, and you can, too.