Do I need another card for rebuilding? Read on please

Do I need another card for rebuilding? Read on pleaseDo I need another card for rebuilding? Read on please
PhilipWen asked 3 years ago

Hi,   

 

Just starting out after years with no cards, and one year with a Cap one Platinum that I never used.   I started using and paying in full the Cap One Plat, applied for and received a Cap One QS One, and have been using that and paying in full.   Recieved an email that I will have an auto increase on the QS after 6 months from opening date if all is well.    Received a VS card via SCT, but I heard that store cards don’t really count, and I’m sure I will not use it often.   So I have 2 regular cards, one store card.    My scores are bad, in my signature.    I had a few things removed and paid, and CK says I’m up 35-40 points on TU and EQ fakos, but I can’t pull another FICO for a couple of weeks.   It’s doesn’t matter because they will still be very low!   

 

I’m wondering, do I need a new card?    Would it be a downgrade to add a secured card (Discover or Citi or BOA?)    I only have 2 inquiries ever on my reports.    I’m just wondering if it would be a good idea to add another tradeline.

 

My goal is to save $ 50 grand and buy a house in 2 years.   

 

 

Any thoughts are much appreciated!

 

 

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