BACKGROUND

I am a full time student at university who is looking to move out soon. My income comes from 2 jobs, one where I am an “employee” and have a traditional paycheck and one where I am an independent contractor and paid through Venmo. I am mainly looking to build credit but also preferably get a better portfolio of cards. Need room to grow as expenses will greatly increase when I move out.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  Apple Card 4/23 $1000 Limit
  Venmo Card 5/23 $250 Limit
  AU on Amex Blue Cash Everyday $10,000 Limit

• FICO Scores with source: 689 (Equifax)

• Oldest credit card account age with you as primary name on the account: 6 months (Apple Card)

• Number of personal credit cards approved for in the past 6 months: 2 (1 in a bit)

• Number of personal credit cards approved for in the past 12 months: 2

• Number of personal credit cards approved for in the past 24 months: 2

• Annual income $:
  Job 1: $1800 a month
  Job 2: $1000 a month
  Dividends: $100 a month
  Misc: $200 a month

CATEGORIES

• OK with category-specific cards?: YES

• OK with rotating category cards?: YES

• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.

• Dining: $200 (will increase soon)

• Groceries: $100 (will increase soon)

• Gas: $80 (may actually decrease)

• Travel: Minimal

• Do you plan on using this card abroad for a significant length of time?: Highly unlikely

MEMBERSHIPS & SUBSCRIPTIONS

• Current member of Amazon Prime?: Yes
  
• Current Verizon postpaid customer?: Yes
  
• Current member of Costco or Sam's Club?: Yes?
  
• Currently paying $13.99/month or more for Disney Bundle (Disney / Hulu / EPSN ) or other Hulu services?: Yes
  
• Current member of Chase, US Bank or any other big bank?: Fifth Third
  

PURPOSE

• What's the purpose of your next card?: Building credit/upgrading cards