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    9 Credit Cards at 19, 10 months of credit history

    $1500, Discover Student Cashback – June 6, 2025 (Manually requested CLI to $2250, Dec. 2025)

    $1000, Amazon Chase Card – Sep. 15, 2025 (Manually requested CLI to $1200 March 26, 2026)

    $500, US Bank Cash+ #1 – Jan. 20, 2026 (Had to recon, approved after fraud verification)

    $7000, Cap 1 Venture – March 25, 2026

    $2400, Bofa Customized Cash Rewards #1 – March 29, 2026

    $1000, US Bank Cash+ #2 – March 30, 2026

    $2000, Barclays Jetblue Plus – April 21, 2026 (Applied April 1, long hassle of faxing ID and SSN)

    $3000, Bofa Customized Cash Rewards #2 – April 28, 2026 (Applied March 30, went pending)

    $500, Robinhood Gold – April 28, 2026 (No HP, froze experian after soft pull, very sad CL)

    – HP combined with previous Bofa CCR card. I received a letter asking me to sign and mail back to confirm that I knew I would be liable for the debt. I guess they never received the letter, had one resent and I faxed it to them. Approved day after the fax. Originally tried to apply for the CCR and premium rewards, but I was denied for the latter (I assume because the card needed a 5k min CL)

    – I was pre approved for every card except for the Discover and I believe the Amazon card. Used someone elses link for Robinhood Gold.

    – Pending Amex Blue Business Cash application, probably won't be approved

    • Also just so people know about these cards. I have access to 3 PayPal debit cards and have 2 set aside for grocceries (my parents) and I have a Venmo debit for 5% cashback at Walmart on up to 2k spend a month (a $500 personal Chase account transfer meets the direct deposit requirement)

    • Before my venture I credit cycled 2-3x some months with my Amazon CC (had a 2% cashback on everything else till June 2026) and have had no problems yet

    • I've had a banking relationship with all of these banks except for Robinhood, Discover, and Barclays.

    Fico 8: Experian at 712, Equifax at 706. Bofa #2 and robinhood haven't reported yet

    What do you guys think?

    For now I plan to get a $3k pledge loan with PenFed and pay off 91% of it asap. Should work to get some installment history and most of my money back. After I plan to chill for the next 2ish years till I fall under 5/24. Get the CSR/Strata elite and continue churning cards for points.

    9 Credit Cards at 19, 10 months of credit history
    byu/Wild-Claim-100 inCreditCards



    Posted by Wild-Claim-100

    7 Comments

    2. BlueberryNo4287 on

      bruh you went from 0 to 9 cards in 10 months thats actually wild velocity. most lenders gonna start seeing red flags if you keep applying this fast especially with multiple cards from same banks

      your scores are decent but id chill for like 6 months before hitting amex or any other apps. let those accounts age a bit and utilization settle

    4. he_must_workout on

      0 to 9 in 10 months at 19. It’s showing with how low those limits are. You need to chill or you will be trapped in low limit or completely locked out entirely.

    7. Max_Goatstappen on

      i turn 20 next month. I had 5 cards before turning 19. CSP, CFU, prime visa, Amex BCE, I had the citi 2x card but I closed it after an issue with it and I got the Robinhood gold card. 5 cards is all I need. Applications were spread apart and I have about 60k credit across all 5

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