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I opened a Discover Secured card in December of 2019, and was graduated 6 months later, I got my first year cashback match a couple weeks ago. I'm looking for a new card to use for more general spending for purchases that don't fall into the 5% categories. I would really like to close my secured Capital One card as I never use it except for the very rare occasion a place doesn't except Discover, but I'm not sure how much of a difference it will make with it being my oldest card by 7 months. I also don't want to many hard inquiries, I have none in the past 12 months.
- Current cards:
- Capital One Secured, 500 limit, opened 5/19
- Discover IT, 750 limit, opened 12/19
- On both, I've never once carried a balance and I always pay in full every month. I started using the IT for all my purchases once I was graduated from secured.
- FICO Score: Experian 575-85, can't login to Discover atm due to maintenance but I believe it was somewhere around 600-620 last time I checked the scorecard, not sure if it matters but Vantage is 695-697
- Oldest account age:
- 1 year 8 months
- Income:
- $40k for 2020 due to pandemic furlough
- Average monthly spend and categories: This is hard to average now every month has been different because of pandemic
- dining $500-1000
- groceries: $100-200
- gas: $30-60
- travel: $0
- other: $500-1000 (online shopping, etc)
- What's the purpose of your next card?
- Maximize cashback opportunity and continue to work on building/rebuilding my credit
- Do you have any cards you've been looking at?
- Amazon card, Paypal Mastercard Credit, Fidelity card
- Are you OK with category spending or do you want a general spending card? either
Thanks for the help and recommendations, let me know if there is any other info needed.
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- 3 years ago
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