Hello I know I know, I should’ve posted this a week before rent. If my parents pay for this I will have to go home. I spent way more than I should have and I’m sure next month I don’t have to spend a dollar. That’s why I need 700-800 dollars which will be immediately paid back on the 5th of November. I want to go in person tomorrow in the morning and I need to know what to ask for to streamline the process. I’m in las cruces near the university so BofA is my only real option.

My biggest question is the monthly due date per month aka the first or every 30 days since last payment. After I get this done it will pretty much go unused except for the few times I forget to but money from my saving into my checkings on my debit card. But I might use it if it’s close to the day I get more money and I get something big like groceries or something

In case you’re wondering where the money went, a couple drop ship scams and covering for a friend and buy food for the freezer that could’ve waited till next month. Plus a couple $40 Uber rides to get home from the hospital.

CREDIT PROFILE • * Current credit cards you are the primary account holder of: none never had any • * FICO Scores with source (see note on FICO score sources below): 626 transunion 651 equifax both credit karma • * Annual income $: none technically. Paid by school from VA roughly 1500 per month minus june July and some of august as well as some of November and December so expecting roughly 10,500

CATEGORIES • * YES I’m OK with category-specific cards • * OK with rotating category cards?: yes but I’d rather not have more than one since it may become another thing to forget • * Estimate average monthly spend in the categories below. Only include what you can pay by credit card. • * Dining $:50 • * Groceries $: 200 Walmart max for 2-3 months, 100 dollar tree max monthly. Want to shift towards Costco soon • * Gas $: 90 max circle k rewards • * Travel $: extra 30-40 dollars worth of for traveling home every month. Up to 80 of Uber rides in emergencies

• * Do you plan on using this card abroad for a significant length of time ?: no this card stays home in a locked drawer • * Any other categories: Walmart or Amazon if big purchase (next big purchase should be $200.00 or less • * Any other significant, regular credit card spend you didn't include above?: $ irregularly shopping or eating out at different stores mostly under 150 • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ no fee listed in lease and 580 for rent 120 for electric only 25 for internet $100 for school 40-100 for meds

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply) • * Current member of Amazon Prime?: no • * Current Verizon postpaid customer?: T-Mobile • * Current member of Costco or Sam's Club? Want to get one soon when possible • * Currently paying $13.99/month or more for Disney Bundle (Disney / Hulu / EPSN ) or other Hulu services? Apple Music student 5.99 per month tinder 10.99 (tinder subscription is closed but may open in better times) • * Current member of Chase, US Bank or any other big bank?: GECU small bank not nearby • * Active US military?: on military benefits from father • * Are you open to Business Cards?: no

PURPOSE Want a charge card for 700 upfront asap l

• * What's the purpose of your next card?: first credit card, balance transfer • * If you answered "first credit card", are you an authorized user on any other cards? No never used a credit card • * If you answered "balance transfer" please give details as to why: want to keep track of pending transfers or be able to close transfers easier • * Do you have any cards you've been looking at? Discover it student, capitol one, Amex

BofA is the only one close with a building. Grocery spending will come to a halt next month as a look for local services and use what is already available.