currently 20 almost 21, largely supported by parents but still eork a full time summer job to support my travel clothes and eating out habits
Current cards: none
• authorized user on chase united club card
• authorized user on fidelity visa
• FICO Score: e.g. 720
• Oldest account age: 0
• Chase 5/24 status: 0/24
• Income: e.g. $15,000
• Average monthly spend and categories:
• dining $300
• groceries: 0 parents pay
• gas: parents pay
• travel: $300 fly usually at least half a dozen times per year
• clothes: $300 prob largest expense
• Open to Business Cards: Bo
• What's the purpose of your next card? e.g. Building credit, travel in future
• Do you have any cards you've been looking at? Chase Freedom Unlimited, wells fargo active cash, cap savor no af version(although dont love how they are switching to discover :()
definelty want a card with an af in the future either amex or cap one vx but obviously stupid to get an af cc as ur first ans my income doesnt yet warrant the af
• Are you OK with category spending or do you want a general spending card?
OK for whatever is best
first credit card — unique situation
byu/Reasonable_Concern71 inCreditCards
Posted by Reasonable_Concern71
1 Comment
With that spending pattern you’re basically looking at dining and travel as your main categories. The Chase Freedom Unlimited could work since you’re already in Chase ecosystem as AU, but honestly the Wells Fargo Active Cash might be better starting point – flat 2% on everything is pretty solid when you’re spending across different categories like that 💀
Just keep the income reporting accurate since $15k is on lower side, some issuers might be more strict about limits.