<prompt> Human: Hello Everyone.A few months ago I posted on here because I had several questions about credit cards and credit in general. You guys were a tremendous help and since then Ive gained a secure credit card with a 200 dollar limit and have been steadily building my score. I got rid of the scam that is freecreditscore.com and Ive started using Credit Karma. Ive finally gotten my very own credit score of 694 and now Im wondering what to do.What should my next steps be? Credit Karma seems to think I should apply for another card, but Im not sure I should yet because I havent had this card for any significant amount of time. Im also concerned about getting more hard inquires into my credit. On the other hand a real card would probably have higher limit and no annual fee. Thoughts or suggestions? Thanks!  <response>: Next step is getting an unsecured credit card, with no annual fee. The best is to wait with the application until your secured card is 6 month old. Until then, just keep on paying bills on time, and your credit will keep improving. 