I've had a secured card from Sterling (by the way, other than their stingy increases, I have been very happy with them) since August 1999, limit $590. Last summer I opened a Providian Gold, started at $500, now up to $1800 and a Macy's account. All three accounts have a perfect payment history. My question is- what do I do now? I'm very anxious to enter the "prime" market. I get about 3-4 offers a week but haven't applied for any, not wanting to waste an inquiry on my CR. I'm concerned because I have only $19,000 income. How much does that affect my score? Could I still qualify for a Citibank platinum, AT&T platinum or Discover platinum (three offers I received today!) Thanks!