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second credit card recommendations
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CREDIT PROFILE

  • Current credit cards you are the primary account holder of: (list cards, limits, opening date):  Capital One Quicksilver $6,800 limit, February 2013.

  • FICO Scores with source (see note on FICO score sources below):  Experian 758, Transunion 760, Equifax (no idea)

  • Oldest credit card account age with you as primary name on the account:  9 years.

  • Number of personal credit cards approved for in the past 6 months: Zero

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

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

  • Annual income $: (Approximations are fine. Accuracy is most important if your income is under $20k. See what counts as income below.) $65,000.

CATEGORIES

  • OK with category-specific cards?: (Answer YES if you're OK using one card for 3% back on groceries and another for 4% on dining) Yes.

  • OK with rotating category cards?: (Answer YES if you're OK using a card that has different bonus categories each quarter, e.g. 5% on gas from Jan - March, then 5% on groceries April - June) Yes.

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

  • Dining $: 100.

  • Groceries $: 200.

  • Gas $: 500.

  • Travel $: 200.

  • Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No.

  • Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ Phone $80 Internet $70 Amazon $100 Electric $200 Gas $30(Heating) Water $50

  • Any other significant, regular credit card spend you didn't include above?: $ No.

  • Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ No.

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

  • Current member of Amazon Prime?: Yes.

  • Current Verizon postpaid customer?: No.

  • Current member of Costco or Sam's Club? NO.

  • Currently paying $13.99/month or more for Disney Bundle (Disney / Hulu / EPSN ) or other Hulu services? Crunchy Roll $10.

  • Current member of Chase, US Bank or any other big bank?: No, just credit unions.

  • Active US military?: No.

  • Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) No.

PURPOSE

  • What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards) Looking to open up a possible travel card to open up possibilities for hotel and or flying. I'm open to rotating categories.

• If you answered "travel rewards", do you have a preferred airline and/or hotel chain? No preference.

  • Do you have any cards you've been looking at? Chase sapphire preferred, mainly for the sign up bonus. Chase freedom flex, since I already have 1.5% cash back.

Author
Account Strength
50%
Account Age
2 years
Verified Email
Yes
Verified Flair
No
Total Karma
178
Link Karma
12
Comment Karma
166
Profile updated: 6 days ago
Posts updated: 1 year ago

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Posted
2 years ago