CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Capital One Quicksilver $2,000 limit, 04/21/2025
* SYNCV/Harbor Freight $1,500 limit, 11/24/2025
* Capital One Venture One $3,000 limit, 05/13/2026
* FICO scores with source: Experian: 740 Transunion: 712, Equifax: 708
* Oldest credit card account age: 11 Months
* Cards approved in the past 6 months: 2
* Cards approved in the past 12 months: 3
* Cards approved in the past 24 months: 3
* Annual income $: $28,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 300
* Groceries $: 100 Aldi’s
* Gas $: 140 Walmart and Sheetz
* Travel $: 0
* Using abroad?: No
* Other categories or stores: Amazon, Walmart
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: Chase, Capital One
PURPOSE
* Purpose of next card: Building Credit
* Cards being considered:
What should be my next card?
byu/imma_ask_questions12 inCreditCards
Posted by imma_ask_questions12
2 Comments
I know this is a follow up to your post on r/CRedit. Be aware that getting another card isn’t really going to help you “build credit” any better, as you already have 3 cards. Now if you’re also about maximizing rewards or finding additional value from another card, I’m all for getting one. I just wanted to point out that your goal of “building credit” won’t be superior just from adding another card.
Product change the venture one to a cap 1 savor card for 3% cash back dining and grocery, use quick silver for catch all.