People post full credit profiles to find the right next card

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover It * FICO scores with source: 753 * Oldest credit card account age: 2 years, 4 months * 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 $: 75400 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below. * Dining $: 135 * Groceries”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * None - looking for first card * FICO scores with source: Experience 785 * Oldest credit card account age: 7 years * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 1 * Cards approved in the past 24 months: 1 * Annual income $: 140k CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categories below. * Dining $”

“This. Keep the credit card age average as high as possible when applying, then close whatever cards you want after you get the new card approved and issued. Better to have a lengthy credit age with your oldest cards still open when you apply. [re: Did I just make a big mistake?]”

“In almost all cases, it will actually be zero. That's because all your other accounts will be 10 years older, but the FICO score benefits to AAoA maxes out at 7.5 years. [re: Did I just make a big mistake?]”

“Current cards: (list cards, limits, opening date) ⁠Discover IT - 1,250 - December 2024 Amex BCE - 2,000 - August 2025 Savor C1 - 3,500 - December 2025 • ⁠FICO Score: 735 • ⁠Oldest account age: 1 Year and 10 Months • ⁠Income: 24,960 • ⁠Average monthly spend and categories: ⁠• ⁠dining $90 ⁠• ⁠groceries: $100 ⁠• ⁠gas: $40 ⁠• ⁠travel: $0 ⁠• ⁠other: $200 • ⁠Open to Business Cards: Not yet • ⁠What's the purpose of your next card? Currently in college as a sophomore turning 20 and looking for a cat”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Player 1: * Southwest Chase Card * FICO scores with source: 780 * Oldest credit card account age: 5 years * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: 1 * Cards approved in the past 24 months: 1 * Annual income $: 200K CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categories below. * Dining $: 200 *”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Wells Fargo Autograph (was Bilt card): $5k limit (Opened May 2025) * Amex BCP: $5k limit (Opened September 2025) * Citi Custom Cash (product changed from double cash): $4k limit (Opened December 2025) * Citi Strata Premier: $6k limit (Opened March 2026) * Citi AA Business Card * Chase Ink Unlimited * Chase Sapphire Preferred: $10k limit (Opened September 2026) * FICO scores with source: Experian 750 * Oldest credit ca”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * U.S. Bank Cash+ Visa Signature® Card 13,000 08/2006 * Citi Double Cash® Card 22000 02/2009 * Amex EveryDay® Credit Card 13000 02/2009 * Bank of America® Customized Cash Rewards credit card 27000 06/2025 * FICO scores with source: Equifax 830 * Oldest credit card account age: 20 years * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 0 * Cards approved in the past 24 months: 1 * Annual in”

“705 FICO 709 Experian I had one late payment (my first one ever – a student loan) 2 years ago.. none since then $55k student loans – only debt 98,400 yr/income Chase sapphire preferred (3.5 years) – $20,100 credit limit Discover – $11,800 credit limit Oldest credit line is 7.5 years Under 5/24, 0 inquiries Utilization 2% Thank you in advance! submitted by /u/Pensive_Palace [link] [comments]”

“Current cards: (list cards, limits, opening date) Amazon Prime Visa $27,000 limit, Mar 2022 Discover IT $5,000 limit, Oct 2019 FICO Score: 792 Oldest account age: 7 years, 2 months Income: ~$100,000 Average monthly spend and categories: ~$1800 (not including rent) Utilities/Rent: $250/$1450 groceries: $250 Dining: $350 gas: $200 Entertainment: $350 (Bars, tickets to concerts, drinks at venues) other: $400 (Amazon, Health, Ubers, etc.) Open to Business Cards: No What's the purpose of your nex”

“Current cards: (list cards, limits, opening date) Discover IT Feb 2024 $8500 AMEX BCP Aug 2026 $12500, will downgrade to BCE FICO Score : previously ~770, now 738, from Experian Oldest account age: 2 years 8 months Chase 5/24 status: 1/24 Income: $90k+ alone, $140k+ w/ partner rent: $1245 dining $500 groceries: $400 gas: $100 total: ~$4000 avg. incl. travel Open to Business Cards: unlikely What's the purpose of your next card? I would like to focus on building credit (would like to purchase”

“Current cards: (list cards, limits, opening date) ⁠• Bank of America platinum plus, $2,100, 2023. • ⁠FICO Score: 712 • ⁠Oldest account age: 11 years 7 months • ⁠Chase 5/24 status: 0/24 • ⁠Income: $65,000 • ⁠Average monthly spend and categories: ⁠• ⁠dining $250 ⁠• ⁠groceries: $400 ⁠• ⁠gas: $250 • ⁠Open to Business Cards: Sure • ⁠What's the purpose of your next card? Building credit, Benefits/rewards • ⁠Do you have any cards you've been looking at? No • ⁠Are you OK with category spending o”

“Current cards: Local Bank, $1,000 Limit, have had since December 2024, Expires 08/28 Amazon Visa Chase: $1,300 Limit, have had since August 2025, Expires 08/30 FICO Score: 733 Oldest account age: 1 year 10 months Chase 5/24 status: 2 /24 Income: $70,000 and >5% Annual Bonus Average (anticipated) monthly spend and categories: Dining/Groceries: $400 Rent: $500 Bills/Student Loan Payments: $1800 Japanese Tutoring: $140 Gym: $40 Misc. Subscriptions: $25 Open to Business Cards: Yes What's the”

“Current cards: (list cards, limits, opening date) Fifth Third Secured Card, $300 Limit, July 2026 FICO Score: Good - 700 Oldest account age: 3 months Chase 5/24 status: 1/24 Income: $48,000 Average monthly spend and categories: Dining: $250 Groceries: $250 Travel: $45 Bills/Utilities: $325 Shopping: $200 Other: $50 Open to Business Cards: No What's the purpose of your next card? Building credit,, Travel, Cashback Do you have any cards you've been looking at? No Are you OK with category s”

“Current Cards: - Chase Sapphire Preferred - Capital One SavorOne - Discover Credit Profile: - FICO Score: 797 - Oldest Account: 9 years - Annual Income: $90,000 - New Accounts: None in 12+ months Other info - Amazon Prime member: Yes - Sam’s Club Member: Yes - Primary Bank: USAA Looking For: I’m considering adding another Chase card, specifically the Chase Freedom Unlimited (CFU) or Freedom Flex (CFF), but I’m open to other recommendations. My main goal is to find a card that complements my curr”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Chase Reserve * Amex Platinum * Delta Reserve * FICO scores with source: 820-850 * Oldest credit card account age: 20+ years * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 0 * Cards approved in the past 24 months: 1 * Annual income $: 200k+ CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categories below”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover Card * FICO scores with source: 765 * Oldest credit card account age: 2.25 years * Cards approved in the past 6 months: 0, NA * Cards approved in the past 12 months: 0, NA * Cards approved in the past 24 months: 0, NA * Annual income $: 85000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below. * Dining $: 100-200”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Capital One Savor, $5000, 5/2025 * Capital One Venture X, $10000 7/2026 * FICO scores with source: Experian 747, Equifax 745, Transunion 739 * Oldest credit card account age: 2 Years, 3 Months * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: 1 * Cards approved in the past 24 months: 2 * Annual income $: 20000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category”

“Hi Everyone! Below is information detailing where I am in my credit card journey. Any recommendations are welcome. Thanks in advance! CREDIT PROFILE * Current credit cards you are the primary account holder of: * Savor Rewards by Capital One * Chase Freedom Unlimited * Blue Cash Preferred Card by American Express * FICO scores with source: 800+ * Oldest credit card account age: 18.3 Months * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: 1 * Cards approved in the”

“Current cards: (list cards, limits, opening date) Discover it, $4,500 limit, April 2023 Amex Companion Platinum, $2,000 limit, 2019 FICO Score: 730 Oldest account age: 8 years Chase 5/24 status: 0/24 Income: e.g. $88,000 Average monthly spend and categories: dining $400 groceries: $300 gas: $0 travel: $30 other: $150 Open to Business Cards: No What's the purpose of your next card? Travel, Cashback, open to recommendations Do you have any cards you've been looking at? No - a friend can re”

“CREDIT PROFILE Current credit cards you are the primary account holder of: Capital One Venture X - $11,000 limit, 04/2026 Capital One Savor - $9,000 limit, 01/2024 Capital One Quicksilver - $1,000 limit (was $4k, moved most to Savor), 08/23 PayPal Cashback World Mastercard - $5,000, 03/2026 PayPal Mastercard - $3,200, 03/2026 Credit One Platinum - $2,200, 09/2025 (CANCELED) Ollo Platinum - $2,100, 06/2024 Comenity MyAcademy Store Card - $1,250, 01/2025 FICO scores with source: Experian 789, Tran”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * USAA Preferred Cash Rewards (25 years) * Chase Freedom (21 years) * PayPal credit * VA Credit Union (14 years) * FICO scores with source: 788 Experian myfico.com * Oldest credit card account age: 25 years (USAA) * 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 $: 100,000 CATEGORIES * Ok with category-specific cards?: Y”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Fidelity cashback, 25000 limit, opened 7/2019 * chase freedom, 4000 limit, opened 2/2013 * chase freedom unlimited, 17500 limit, opened feb 2019 * FICO scores with source: Experian 717 * Oldest credit card account age: 13 years 7 months * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 0 * Cards approved in the past 24 months: 2 * Annual income $: 130,000 CATEGORIES * Ok with category-sp”

“CREDIT PROFILE Current credit cards you are the primary account holder of: Discover It Cash Back AMEX Blue Cash Everyday FICO scores with source: 745 Oldest credit card account age: 3 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 $: 50000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below. * Dining $: 187 * G”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * U.S. Bank Altitude Go Visa Signature Card, $600 limit, opened June 2023 * FICO scores with source: 676 according to U.S. Bank * Oldest credit card account age: 3 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 $: ~$35,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Player 1: * Chase Sapphire Reserve * Chase Sapphire Preferred * Blue Cash Everyday * Chase Freedom Flex * AAdvantage Platinum * AAdvantage MileUp * Player 2: * Wells Fargo Active Cash * FICO scores with source: Experian 822 * Oldest credit card account age: 19 years * Cards approved in the past 6 months: 1 card in past 6 months * Cards approved in the past 12 months: 3 cards in past 12 months * Cards approved in the p”

“800+ credit score but dipped to high 700s with opening a new card in August - Discover it - Capital One Savor - United Explorer (opened in August 2026) Length of credit 4 years 10 months. 5 revolving accounts. Never had a late payment. No plans to finance or take out a mortgage in the next 1 year at least. Discover it dropped their Amazon rotation and I’m seriously considering their card for the holidays. I have heard to wait til Black Friday to sign up Is it too soon to apply for a new card? Ov”

“Current cards: (list cards, limits, opening date) ⁠• ⁠Chase Freedom Rise Opened October 2025 • ⁠FICO Score: 756 (been super diligent on my student loans for a couple years) • ⁠Oldest account age: 11 months (not including student loans) • ⁠Chase 5/24 status: just have applied for the one • ⁠Income: ~$70,000 give or take a couple thousand based on commission • ⁠Average monthly spend and categories: ⁠• ⁠Rent: 1200 ⁠• ⁠groceries: $200 ⁠• ⁠gas: $300 Eating out ~$220 • ⁠Open to Business Cards: No • ⁠W”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * CSP $12400 limit, 2/2024 (2.5 yrs) * CFU $10100 limit, 2/2024 (2.5 yrs) * Amex BCP $15000, 9/2026 (<1 yr) * Discover IT Student (closed), 1/2022 (4.5 yrs) * FICO scores with source: Experian 782, TransUnion 774, Equifax 773 * Oldest credit card account age: 4.5 years * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: N/A * Cards approved in the past 24 months: N/A * Annual income $: 59”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Triple A credit card * FICO scores with source: Credit wise 668 * Oldest credit card account age: 6 * Cards approved in the past 6 months: 3 * Cards approved in the past 12 months: 3 * Cards approved in the past 24 months: 5 * Annual income $: 9,495 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below. * Dining $: $50 * Groc”

“CREDIT PROFILE Current credit cards you are the primary account holder of: Bank of America Customized Cash Rewards Visa Signature, $5,200 limit, 11/2023 FICO scores with source: Experian FICO Score 8: 770 (BofA My Credit, as of 09/10/2026) Oldest credit card account age: About 3 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 $: Approximately $25,000–$30,000 from variable work and stipends. I also receive”

“• ⁠Current cards: •NFCU cash rewards plus- $15,500 limit,March 2019 •Amex blue cash everyday- $17,100 limit,2022 • ⁠FICO Score: 768 • ⁠Oldest credit account age: 7 years 6 months • ⁠Income: $180,000 • ⁠Average monthly spend and categories: ⁠• ⁠dining $500 ⁠• ⁠groceries: $800ish could be more mainly Costco though then the rest at grocery store ⁠• ⁠gas: $500 ⁠• ⁠travel: don’t travel monthly but do go to F1 races plan to do 3-5 races per year ⁠• ⁠other: streaming services Netflix $40 and that’s abo”

“There’s not much info on FFBF online, but here’s a data point for 25k limit approval FL Equifax Fico Mortgage Score 2 - 751 4 inquiries last 24 months They are not new account sensitive but want less than 10% utilization to consider for approval 25k limit 13.75% apr Request your limit in the app Required proof of incomes, tax returns, and proof of 2x liquid deposits or 10x investments Took 3-5 business days and then instant issue card in branch, very old school and collaborative approach s”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Fidelity rewards visa * Chase sapphire reserve * Chase freedom unlimited * Chase freedom * Citi Costco anywhere * Best buy credit card * Alaskan Airlines atmos * Amazon Credit card * FICO scores with source: Exp 775, Trans 780 * Oldest credit card account age: 4 years, 6 months * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: 1 * Cards approved in the past 24 months: 3 * Annual income $”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: Discover It Student ($3,000 limit, July 2023), Chase Freedom Unlimited ($3,000 limit, March 2026) * FICO Scores with source: Experian 745, Equifax 742, TransUnion 747 * Oldest credit card account age with you as primary name on the account: 3 years, 3 months * Number of personal credit cards approved for in the past 6 months: 0 * Number of personal credit cards approved for in the past 12 months: 1 * Number of personal”

“Current cards: Discover Student Card: opened August 2022, 3,500 limit. • FICO Score: 741 • Oldest account age: 4 years • Chase 5/24 status: 1/24 • Income: $45,000 • Average monthly spend and categories: • dining $550 • groceries: $250 • gas: $50 • travel: $50 (would like to travel more) • other: $80 • Open to Business Cards: No • What's the purpose of your next card? Building credit, Travel, and Cashback • Do you have any cards you've been looking at? Chase Freedom Unlimited, Chase Sapph”

“CREDIT PROFILE Current credit cards: Freedom Unlimited (Sep. 2024), Apple Card (Sep. 2026) FICO 9 from WF: 762 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: 1 Number of personal credit cards approved for in the past 24 months: 1 Annual income $32k CATEGORIES OK with category-specific cards?: YES OK with rotating category cards?: NO Estimate average monthly spend in the categories Dining + Groceries : $1k T”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover IT, $2800 limit, 6/2025 * Prime Visa, $2000 limit, 4/2026 * Costco Anywhere Visa, $4000 limit, 9/2026 * FICO scores with source: Experian 635, Equifax 626 (through Citi) * Oldest credit card account age: 1 year * Cards approved in the past 6 months: 2 * Cards approved in the past 12 months: 2 * Cards approved in the past 24 months: 3 * Annual income $: 87,000 CATEGORIES * Ok with category-specific cards?: Yes”

“Current cards: (list cards, limits, opening date) Capital One Savor $4,000 limit, June 2025 Capital One Venture X $10,000 limit Oct 2026 FICO Score: e.g. 787 --> 760 after opening Vx Oldest account age: e.g. 1 year 4 months Chase 5/24 status: 2/24 Income: e.g. $20,000 Average monthly spend and categories: dining $532 gas: $10 other: $430 Open to Business Cards: e.g. No What's the purpose of your next card? Travel, Cashback Do you have any cards you've been looking at? Citi Double Cash”

“Current cards: (list cards, limits, opening date) Discover It Cash Back, $2500 limit, February 2024 FICO Score: 790 Oldest account age: 2 years, 8 months Income: $95,000 Average monthly spend and categories: Food: a lot, go out with friends 3-4 times a week Gas: about $70 every week travel: yearly travel like for 4 days, around $1000 other: lots of everyday purchases from Amazon, Costco, etc. Groceries: like $150 a month Open to Business Cards: No What's the purpose of your next card? Contin”

“Current cards: (list cards, limits, opening date) Discover It Student, $2300 limit, April 2024 FICO Score: 759 Oldest account age: 3 years, 1 month Chase 5/24 status: 0/24 Income: 15000-20000 (full-time college student) Average monthly spend and categories: dining $200 groceries: $200 travel: $200 other: $200 Open to Business Cards: No What's the purpose of your next card? Travel - will be booking regular domestic flights (long distance relationship) and also planning to vacation more before”

“Current cards: (list cards, limits, opening date) ⁠• ⁠Apple Card, $5750, April 2023 ⁠• ⁠Hilton Honors Amex, $6600, October 2024 • ⁠FICO Score: 782 • ⁠Oldest account age: 10 yrs 9 months (Authorized User Card) • ⁠Chase 5/24 status: 1/24 • ⁠Income: $32,000 • ⁠Average monthly spend and categories: ⁠• ⁠dining $50 ⁠• ⁠groceries: $100 ⁠• ⁠transit: $50 ⁠• ⁠travel: $50 ⁠• ⁠other: $150 • ⁠Open to Business Cards: Yes • ⁠What's the purpose of your next card: Travel or Cash back, but open to other recom”

“I am in my late 20s and in my first real job in the career that I intended. Current cards: (list cards, limits, opening date) citizens private client® world elite mastercard, $2,500 limit, 2018 Experian Vantagescore: 689 Oldest account age: 8 years Income: $80,000 after income taxes Average monthly spend and categories: dining $1000 groceries: $100 gas: $133 travel: $0 other: $2000 Open to Business Cards: e.g. No What's the purpose of your next card? either travel or cash back Do you have an”

“Current cards: (list cards, limits, opening date) BofA Unlimited Cash Rewards, $6.8k limit, January 2024 Amex BCE, $12k limit, March 2026 FICO Score: 745 Experian FICO 8 Oldest account age: 2.5 years Chase 5/24 status: 0/24 Income: $90,000 Average monthly spend and categories: dining $500 groceries: $160 concerts: $50 online retail: $80 Open to Business Cards: No What's the purpose of your next card? Dining cash back Do you have any cards you've been looking at? Capital One Savor (pre ap”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Chase Freedom Unlimited ($16,300 limit,01/2023) * Capital One Venture X ($30,000 limit, 07/2026) * Chase Sapphire Preferred ($12,700 limit, 07/2026) * FICO scores with source: Equifax 767 * Oldest credit card account age: 3.5 Years * Cards approved in the past 6 months: 2 * Cards approved in the past 12 months: 2 * Cards approved in the past 24 months: 2 * Annual income $: ~80k CATEGORIES * Ok with category-specific c”

“Current cards: (list cards, limits, opening date) No current credit cards FICO Score: TransUnion- 677 , Equifax - 677 Oldest account age: 4 years 2 months • ⁠Income: $108,500 • ⁠Average monthly spend and categories: ⁠• ⁠dining $800 ⁠• ⁠groceries: $400 ⁠• ⁠gas: $120 ⁠• ⁠other: $100 • ⁠Open to Business Cards: Maybe? • ⁠What's the purpose of your next card? Mainly travel! • ⁠Do you have any cards you've been looking at? CapitalOne Venture X • ⁠Are you OK with category spending or do you wan”

“• ⁠Current cards: CO Quicksilver, $2000 limit, August, 2025 • ⁠FICO Score: 730 • ⁠Oldest account age: 1 years 2 months • ⁠Income: e.g. $17000-18000 (full-time in college) • ⁠Average monthly spend and categories: ⁠• ⁠dining $30 ⁠• ⁠groceries: $80 ⁠• ⁠gas: $300 ⁠• ⁠travel: $100 ⁠• ⁠other: $250 • ⁠Open to Business Cards: No • ⁠What's the purpose of your next card? Cash back, rewards, increasing total credit limit • ⁠Do you have any cards you've been looking at? Amex blue cash everyday • ⁠Ar”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover It $3,800 limit, 07/2023 * FICO scores with source: TransUnion 736 * Oldest credit card account age: 3 * Cards approved in the past 6 months: N/A * Cards approved in the past 12 months: N/A * Cards approved in the past 24 months: N/A * Annual income $: 15,712 CATEGORIES * Ok with category-specific cards?: No * Ok with rotating category cards?: No (the Discover It card is one) * Estimate average monthly spend”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Paypal Credit - 7700 limit, 2 years of age * Credit Union Secured card - 800 limit, 5 years of age * FICO scores with source: 645 * Oldest credit card account age: 5 years * Cards approved in the past 6 months: 0 (havent applied) * Cards approved in the past 12 months: 0 (havent applied) * Cards approved in the past 24 months: 1 * Annual income $: 60k CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotati”

“• Current cards: Capital One Platinum $400 limit, April 2026 • FICO Score: 655 • Oldest account age: 3 years, 2 months • Income: 36,480 • Average monthly spend and categories: • dining $300 • groceries: $40 • gas: $80 • travel: $0 • other: $500 • Open to Business Cards: No • What's the purpose of your next card? Building credit, Cashback • Do you have any cards you've been looking at? Amazon Prime Visa (when my score raises) • Are you OK with category spending or do you want a general sp”

“Current cards: (list cards, limits, opening date) ⁠• ⁠chase freedom unlimited 900$ limit december 2025 ⁠• ⁠discover it, 1500$ limit, april 2026 • ⁠FICO Score: 755 • ⁠Oldest account age: 1 year 7 months • ⁠Income: $15,000 • ⁠Average monthly spend and categories: ⁠• ⁠dining $200 ⁠• ⁠groceries: $400 ⁠• ⁠gas: $50 ⁠• ⁠travel: $100 ⁠• ⁠other: $30 • ⁠Open to Business Cards: No • ⁠What's the purpose of your next card? credit card progression i guess? i’m curious is there a next card i should upgrade”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover It, $4,850 limit, 2/2022 * Capital One Savor, $4,000 limit, 2/2026 * FICO scores with source: Transunion 790, Experian 760 * Oldest credit card account age: 4.5 years * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 1 * Cards approved in the past 24 months: 1 * Annual income $: $77,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes *”

“Current cards: (list cards, limits, opening date) e.g. Discover it cashback, $3,800 limit, February 2024 FICO Score: e.g. 747 Oldest account age: e.g. 2 years 7 months Chase 5/24 status: e.g 0/24 Income: e.g. $31,200 Average monthly spend and categories: dining $80 varies groceries: $50 varies gas: $150 travel: $0 other: $50 varies subscriptions: $40 entertainment/social:$70 Open to Business Cards: e.g. No What's the purpose of your next card? Travel, Cashback Do you have any cards you'v”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: Capital One Savor, $3,000 limit, 7/2025 AUTH USER: Southwest Rapid Rewards, $35,000 limit, 2/2019 * FICO Scores with source: Experian 738 * Oldest credit card account age with you as primary name on the account: 14 months * Number of personal credit cards approved for in the past 6 months: 0 * Number of personal credit cards approved for in the past 12 months: 0 * Number of personal credit cards approved for in the past”

“Current cards: (list cards, limits, opening date) ⁠• ⁠Discover it, $4600, March 2022 • ⁠FICO Score: e.g. 764 • ⁠Oldest account age: 4 years 6 months • ⁠Chase 5/24 status: e.g 0/24 • ⁠Income: e.g. $81,000 • ⁠Average monthly spend and categories: ⁠• ⁠dining: $200ish, typically less but varies ⁠• ⁠groceries: $150, typically less ⁠• ⁠gas: $130 ⁠• ⁠travel: $0 (don't travel monthly) • ⁠fitness: $220 • ⁠subscriptions/streaming: $35 • ⁠entertainment/social: $100 • ⁠Open to Business Cards: No • ⁠What”

“**CREDIT PROFILE*\ * * Current credit cards you are the primary account holder of: * Chase Freedom Flex, $9,100 Limit, Opened 11/2025 * FICO scores with source: Experian 738 * Oldest credit card account age: 11 months * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months : 1 * Cards approved in the past 24 months: 1 * Annual income $: Around 40K **CATEGORIES*\ * * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spe”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Capitol One Savor $7,000 limit, 12/2024 * Bilt 1.0 -> Wells Fargo Autograph $4.700 limit, 07/2025 * FICO scores with source: Wells Fargo Experian FICO 9 760 * Oldest credit card account age: 21 months * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 0 * Cards approved in the past 24 months: 2 * Annual income $: 110,000 CATEGORIES * Ok with category-specific cards?: No * Ok with rotat”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: Card Opened Limit Fidelity Rewards Visa 10/14/2014 $20,000 Fidelity Rewards Visa 10/09/2014 $14,000 Chase Sapphire Preferred 10/07/2016 $35,200 Apple Card 05/17/2019 $29,500 AAA Travel Advantage 08/25/2025 $16,000 Chase Freedom Unlimited 06/09/2026 $18,000 Chase Freedom Flex 06/09/2026 $21,600 Chime Card 07/15/2026 Secured US Bank Altitude Connect 08/16/2026 $11,000 SoFi Smart Card 09/03/2026 Secured I have ten cards, b”

“CREDIT PROFILE * Current credit cards you are the primary account holder of: BOFA Unlimited rewards * Oldest credit card account age: 11 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 $: 120,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categories below. * Dining $: $600 * Groceries $: Costco: $500 Else: $1200”