- Current cards: (list cards, limits, opening date)
- Southwest Premier, $28k limit, Aug. 2016
- Apple Card, $22k, Oct. 2019
- C1 VX, $30k, Nov. 2024
- Chase SP, $27k, May, 2025
- AA Advantage Platinum Select, $14k, Jan. 2026
- IHG One Rewards Premier, $19k, April 2026
- FICO Score: e.g. 823
- Oldest account age: 10 years
- Chase 5/24 status: 4/24
- Income: $220k combined
- Average monthly spend and categories:
- dining $800
- groceries: $600
- gas: $200
- travel: $250
- other: $2,500
- Open to Business Cards: Yes, have EIN
- What's the purpose of your next card? Best option to get to 5/24 (or avoid it)
- Do you have any cards you've been looking at? Business card, maybe, to possibly avoid 5/24??
- Are you OK with category spending or do you want a general spending card? General is preferred, but gas/groceries could be good.
Posted by gcagora
2 Comments
Id get both ink cards next and space them out by at least 3 months each
wait your chase sp and aa cards are from future dates? assuming those are typos but if you’re actually at 4/24 right now i’d definitely grab a business card to stay under the limit
for your spending pattern maybe look at ink business cards – the cash has good categories but preferred might work better since you seem to like travel cards. both won’t count against 5/24 and chase usually approves if you have relationship with them already
your income is solid so approval shouldn’t be issue, just make sure you space applications out little bit