Should I app for a new card or continue to garden?

Should I app for a new card or continue to garden?
LizzieMer asked 4 years ago

I was thinking of applying for a new credit card to build my history but some people say don’t apply for credit if you don’t necessarily need it. I was considering the American Express Blue Cash Everyday card but I don’t want to get denied and have an unecessary hard pull. I work part time and I hear having a high salary is also important when applying for that card. Currently, my Equifax score is 768, Transunion 766, and I don’t know my Experian (it’s usually the highest out of the three). My AAoA is some where between 1 and 2 years (not exactly sure how to calculate it). I have no baddies on my profile but I do have balances on two out of three of my credit cards. I was interested in a card with low ongoing interest rate but if I app for the AMEX I would want the BCE. Any advice or suggestions? If any other info is needed, let me know. Thanks!

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