CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Chase Freedom Unlimited – $5700 Limit, 02/2024
* FICO scores with source: Experian
* Oldest credit card account age: 2 years
* Cards approved in the past 6 months:
* Cards approved in the past 12 months:
* Cards approved in the past 24 months:
* Annual income $: ~25,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 200-300
* Groceries $: 200 (HEB, Walmart, Target, etc.)
* Gas $: 40
* Travel $: 0
* Using abroad?: No
* Other categories or stores: Not Really
* Other spend: Spotify ~$7
* Pay rent by card? Yes, amount and fee: 800 with a 7.95 fee
MEMBERSHIPS & SUBSCRIPTIONS
* Costco or Sam's Club member: Sam's Club
* Big bank customer: Chase
PURPOSE
* Purpose of next card: Building Credit
* Cards being considered: Amex Blue Cash Everyday, Citi Double Cash Back, Blit, Discover It Cash Back
ADDITIONAL INFO
Hello!
So I average spend over 600 to 1000 dollars per month on just my credit card.
I am currently a college student and have saved up money (from hs) which is why I am able to spend money that I have. I currently have a student worker job that also allows me to break even typically. (Like not touch the money I have saved up). I would say I am quite financially comfortable, as I always try to save up for a year in advanced (for academic year wise).
I was looking into getting an additional credit card (unless advised otherwise) because I use my Chase Freedom Unlimited for everything except rent/bills. I am also graduating in a year, so I was looking for something to expand my credit score while just maximizing the most I can with benefits. I don't mind paying fees, but I would prefer not to for my last year of college, but once again, I do not mind if it benefits me the most.
I do not really travel, but if I do it is within state and typically the flights are $200-$300.
Oh yeah, for some reason I could not access my FICO score through credit karma nor experian and I know my score on chase isn't accurate, but I can say that I don't make late payments and I always pay the full amount back.
Oh, also I don't really care for rotating catagories as I don't buy groceries too too often. I suppose I just shop and eat out mainly. }
Any guidance would help! Thank you.
Credit Card Recommendation, but not TOO much of a beginner.
byu/_c0nstant_ inCreditCards
Posted by _c0nstant_
1 Comment
Consider the Savor card