Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Cards
Profile Image

Question By

0 Contributions
0 People Helped
Will getting a second card help my report look better?
There are multiple parts to my question, so any input to any part is greatly appreciated!
Background info:
I'm 22, a student, got my first line of credit last May (Discover it. Just got a 2500 CLI!), and my score is ~740.

1) I was recommended to get a second card by a friend. Apparently, it looks better to have more than one card?
2) If I go ahead and get a second card, wouldn't it improve my average age of credit in the long run? How much does that help?
3) Is Amex Blue Everyday card a good one to apply for? Do certain cards look better to lenders?
4) I already have 3 inquiries (one falls off in 2 months; the others in a year). Is it a bad idea to apply with that many?

***5) Apparently I forgot that I applied and got denied for an Amex card in September of last year.... Is it a bad idea to reapply? At the time I had a mid 600 score.

I personally believe I'm overthinking this and should either just apply or not apply and move on. I'm just one of those people I guess... ha

Thanks for any help!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.