I’m in my mid-twenties, financially secure but a little late in the game in terms of building my credit. I have one credit card for which I was approved last August (a very basic Capital One Platinum card which has since been upgraded by Capital One), and, now that I’ve got ~four months of on-time payments, I’d like to apply for another credit card to increase available credit and decrease credit utilization.
But I’m also looking for a new apartment, which I’m hoping to move into within the next month. I understand that seeking credit can reflect poorly on my credit score, so should I wait to get another credit card until after I finish applying for apartments?
Edit: I have a 718 right now, if that matters.
I don’t think most apartments are looking too hard at your score itself, they want to make sure you don’t have any crazy outstanding obligations that would make you unable to pay rent and that you don’t have accounts in collections or lots of late payments, either of those would suggest you may have issues paying rent.
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