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CREDIT PROFILE
Current credit cards you are the primary account holder of: (list cards, limits, opening date):Â Capital One Quicksilver $6,800 limit, February 2013.
FICO Scores with source (see note on FICO score sources below):Â Experian 758, Transunion 760, Equifax (no idea)
Oldest credit card account age with you as primary name on the account:Â 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 $:Â (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?:Â (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?:Â (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 $:Â 200.
Gas $:Â 500.
Travel $:Â 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?:Â (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)?:Â (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.
Subreddit
Post Details
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- 2 years ago
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- reddit.com/r/CreditCards...