This guy knows what's up. OP wants to buy a house, so the best option is to save cash to buy outright. Median price is $300k, given Amex cited too low income, plan on saving $400k by the time you finally may have enough to buy a house outright around the age of 60. Don't forget to hide your savings in a mattress, bank might lose it.Don’t get another credit card. Start saving your money up and when the time comes buy cash only. Also make sure your 401k is maxed out.
That's why I come to SVTP, for the financial experts hiding among us.