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Ohio1978

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Rebuilding credit with multiple cards?
For the last couple years or so, I've been working to rebuild my credit. Based here on CK it's average is about 630. I was recently approved (within a couple days ago) for a Capital One Quicksilverone. Out of curiosity I checked with Discover's pre-approval and it came back with the IT card. I didn't apply yet because of the hard inquiry but I am wondering if multiple lines of credit will actually help at this point. I have a Kohls charge card as well (for about 6 months now) and have made all payments on or before the due date.

Should I apply for the Discover IT card at this point or hold off for awhile? I'd be using both for small purchases and paying off in full before the due date.

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Do not, Do not trust Discover's pre-approval page. Go there and put Mickey Mouse and SSN of 1234 and see for yourself.

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