Small background info: Currently 25 just got into the credit game, still learning from everyone. I think I am kinda rushing but trying to figure what to get next (the next card should be in March or April). I gave out some higher numbers just to be safe.
CREDIT PROFILE
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Current credit cards you are the primary account holder of:
DiscoverIT $500 limit 04/2025
C1 Savor $7000 limit 11/2025 -
FICO Scores with source:
Creditwise 714 -
Oldest credit card account age with you as primary name on the account:
10 months -
Number of personal credit cards approved for in the past 6 months:
1 -
Number of personal credit cards approved for in the past 12 months:
2 -
Number of personal credit cards approved for in the past 24 months:
2 -
Annual income $:
80k
CATEGORIES
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OK with category-specific cards?:
Yes -
OK with rotating category cards?:
Yes -
Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
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Dining $:
500/mo -
Groceries $:
500/mo -
Gas $:
100/mo -
Travel $:
600/mo -
Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?:
Yes, often traveling -
Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better):
Insurance: $150/mo
Subscriptions: $100/mo -
Any other significant, regular credit card spend you didn't include above?: $
Online shopping: $300-500/mo -
Can you pay rent by credit card?
No -
Current member of Amazon Prime?:
Yes -
Current Verizon postpaid customer?:
No -
Current member of Costco or Sam's Club?
Plan to be -
Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?
No -
Current member of Chase, US Bank or any other big bank?:
BoA, think I am blacklisted by Chase -
Are you or your spouse active US military?:
No -
Are you open to Business Cards?:
Yes if possible
PURPOSE
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What's the purpose of your next card (choose ONE)?: travel rewards (depends but for now it’s china airline and hk express)(I am spending quite a lot in plane tickets so wanna get more rewards; want lounge access (especially in LAX); planning to help others to pay for the plane tickets first, thus maybe can get higher expenses on traveling; the main expenses is plane tickets since we have spots to stay in almost all the places) and online shopping/gas
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Do you have any cards you've been looking at?
Amex BCE (fill in the gap for online shopping and gas)
BOA CCR (online shopping, but dk if I can utilize the first year 6%)
Prime Visa CC (often buy stuff in Amazon, sometimes do uber rides in foreign countries as well)
Amex Gold (4x restaurants and groceries, 3x flights)
Amex Plat (Lounge everywhere, 5x flights, uber cash)
C1 VentureX (Dun think I can get it now, 5x flights, 2x catch all, match with my Savor miles, bad lounge in LAX?)
Posted by haerin0515