I migrated to the US earlier this year and have had a Discover it Secured card for almost 6 months. I bank with Chase and Capital One. What credit card should I apply for next to build my credit profile, and should I wait until my Discover graduates?

Your best next card is Chase Freedom Rise, and you should wait only until Discover is six months old and recently reported—not until it graduates.

You are only a few weeks from the useful six-month checkpoint, so there is no need to rush or wait indefinitely. Graduation and a second-card application are separate decisions in the fetched issuer terms.

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