Hello MP, I just graduated w/ a new job and am starting to look to enter this fun game of yours. Obviously, I need to get a card that earns travel rewards so from reading everything the past few months I decided the Freedom + Sapphire Preferred combo would fit best for me. I've also learned from lurking flyer/cc sites that I should only apply for one Chase card at a time because they would instantly deny my second application (unless you call the recon line). So I would prefer the CSP over the Freedom first because of better benies. So here's my dilemma, I have bad credit the past few years in college. Current stats: Fico 685, 59% util rate, and 4 hard pulls last year (a few cc apps and a private student loan) with the latest one in December 2012. No delinquencies, no late payments, no collections, everything else is perfect since I started having credit 8 years ago. I currently have: Citi Thank you card $5000 CL Chase Slate $1000 CL BOA Gold $1000 CL Best Buy (Capital One bank) $1000 CL I just got my first big boy job starting approx $85-90K a year and I start working in about 4 weeks. Should I hold off on applying for a card until I start working and getting my util% down? Or should I go ahead and apply for one of the two? If so, you think I have a shot at the CSP? Or shoot for the "easier" Freedom first? Thanks all.