I am rebuilding my credit. I would like to know which one I should apply for. Discover Platinum Card or OptimaÂ® Platinum CardÂ®. I pay more than minimum every month. I don't have any derog on my credit report. But I just have credit history only 3 years. I would like to have a nice credit so that I can apply for the morgage next 2 years. Now, I have : Citibank $7000.00 Limit (open 02/1998)**not report limit on Exprian** Chase $7000.00 Limit (open 01/2001) Amex (Charge Card) (open 07/1997) Sear $3700.00 Limit (open 09/1999) Macy's $600.00 Limit (open 05/1998) Please advice, I would like to get more score on credit report as I have low income which might effect the loan.