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_

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