CREDIT PROFILE
- Current credit cards you are the primary account holder of:
- Wells Fargo Cash Back Visa Signature Card, $20,500 limit, opened 9/2012
- FICO scores with source: Experian 741 (obtained through Wells Fargo)
- Oldest credit card account age: 13.5 years
- Cards approved in the past 6 months: 0
- Cards approved in the past 12 months: 0
- Cards approved in the past 24 months: 0
- Annual income $: ~$50,000
CATEGORIES
- Ok with category-specific cards?: Yes
- Ok with rotating category cards?: Yes
- Estimate average monthly spend in the categories below.
- Dining $: 1100
- Groceries $: 200
- Gas $: 200
- Travel $: 200
- Using abroad?: No
- Other categories or stores: The way I use my current card, no. However, despite my minimal travel budget, I will be using this card in conjunction with a job that may see my travel budget increase heavily in the long term.
- Other spend: The bulk of my discretionary spending is on dining and drinking out.
- Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
- Big bank customer: Wells Fargo
PURPOSE
-
Purpose of next card: Cashback or Travel Points
-
Cards being considered: No
ADDITIONAL INFO
At my job (event alcohol vendor), I am able to take cash tips in addition to credit/debit card sales. At the end of each shift, I still have to ring in the cash sales I made using my personal card, but I have the cash in hand to deposit/pay off what I ring up. This creates an optimal situation for acquiring points or cash back. In this job, I do not currently travel regularly, but as I grow with it, traveling to events around the country may become a more significant part of my lifestyle.
Looking for a 2nd card after 13+ years of having only 1 credit account
byu/CrabbyBumpick inCreditCards
Posted by CrabbyBumpick