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

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