CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Discover
* FICO scores with source: 658
* Oldest credit card account age: 4 years 7 month
* 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 $: 50000
CATEGORIES
* Ok with category-specific cards?: No
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 250
* Groceries $: 300
* Gas $: 0
* Travel $: 0
* Using abroad?: Travel
* Other categories or stores:
* Other spend:
* Pay rent by card? No
PURPOSE
* Purpose of next card: Travel Rewards
* Cards being considered:
Looking for a travel card, preferably something with a low fee and flight protections
byu/SleepyClover893 inCreditCards
Posted by SleepyClover893
1 Comment
your credit profile looks pretty clean but that score might hold you back from some premium travel cards. with only discover card for 4+ years, banks might see you as having thin credit history even though you’ve been responsible
i’d suggest looking at some entry-level travel cards that don’t require excellent credit. chase sapphire preferred might be stretch but worth trying. capital one venture cards are usually more forgiving with credit scores in 650s range. avoid anything with annual fees over $100 until your score gets to 700+
also weird that you have $0 travel spend but want travel card – might want to start with general rewards card that gives good points on dining/groceries since that’s where most your spending is. you can always transfer those points to travel later when you actually start traveling more