People Optimizing Credit Scores & Card Mix
These individuals are actively documenting and analyzing their credit profiles, including card details, FICO scores, and account ages. They appear to be focused on understanding and improving their credit standing, often in conjunction with managing other debts like student loans or car payments. The shared pain revolves around the complexity and ongoing management of credit health.
SOURCES (60)
“CREDIT PROFILE Current credit cards you are the primary account holder of: None (Authorized User on Parents CSP) FICO Scores with source: Unknown Oldest credit card account age with you as primary name on the account: N/A Number of personal credit cards approved for in…”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * PNC Cash Rewards, $1,500 limit * FICO scores with source: Experian 770 * Oldest credit card account age: 2 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 $: $70,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categories below. * Dining”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Petal 2 Visa: $3,000 limit, opened 02/2020 * Discover It Cash Back: $2,550 limit, opened 07/2020 * Paypal Cashback Mastercard: $4,700 limit, opened 01/2021 * Chase Freedom Unlimited: $3,600 limit, opened 04/2021 * US Bank Cash+: $1,000 limit, opened 06/2022 * Citi Double Cash: $3,800 limit, opened 06/2024 * Chase Sapphire Preferred: $8,000 limit, opened 08/2024 * Chase Ink Business Cash: $5,000 limit, opened 09/2024 *”
“* Current cards: * Capital One Platinum ($7,500 limit) * Amex Blue Cash Everyday ($5,500 limit) * Credit Scores: * TransUnion: 783 * Experian: 791 * Oldest account age: 6 years 8 months * Chase 5/24 status: 1/24 Requirements: *higher limit *travel benefits Usage mostly for food, groceries, and occasional travel. Looking for higher limit for better credit utilization. submitted by /u/Initial-Tea-9926 [link] [comments]”
“* Current cards: * Discover It ($3,000 limit) * Chase Freedom Unlimited ($9,100 limit) * Robinhood Gold Card ($10,000 limit) * Credit Scores: * TransUnion: 779 * Experian: 766 * Oldest account age: 3 years 7 months * Chase 5/24 status: 1/24 Requirements: *higher limit *no FTF *visa ecosystem *possibly no annual fees. Usage mostly for food and occasional travel. Looking for higher limit for better credit utilization. submitted by /u/Sufficient_College59 [link] [comments]”
“Current cards: Regions Prestige Visa Signature , $12,000 limit, June 2019 FICO Score: 754 Oldest account age: 3 years, 1 month Chase 5/24 status: 0/24 Income: 11k/mo Average monthly spend and categories: Dining & Groceries: $900 gas: $100 bills: $300 Entertainment: $150 Other: $100 Open to Business Cards: e.g. No What's the purpose of your next card? Building Credit & Travel; Going abroad next month and I'd like to take advantage of the opporunity to get a nice SUB as well. Do yo”
“Current cards: (list cards, limits, opening date) • BoA Custom Cash Rewards, July 2019 • Additional Card Holder Amex Platinum, 2026 • FICO Score: e.g. 790 • Oldest account age: 7 years • Income: e.g. $100,000 • Average monthly spend and categories: • dining $200 • groceries: $400 • gas: $200 (varies by month) • travel: Can’t say specific cost, maybe 2 trips in a year • other: $100 • Open to Business Cards: No • What's the purpose of your next card? Cash back but I also fig”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Player 1: * CapitalOne Quicksilver, $1,550 Limit, 4/15/2015 * Chase Freedom (the OG), $2,000, Limit, 3/31/2016 * Chase Freedom Flex, $8,000 Limit, 8/22/2016 * Chase Freedom Unlimited, $9,300 Limit, 11/09/2016 * Chase Sapphire Preferred, $10,0000 Limit 1/29/2022 * World of Hyatt, $27,000 Limit, 02/25/2024 * Citi Strada Premier, $11,000 Limit, 04/20/26 * Amex Platinum (Authorized User) 4/03/23 * Player 2: * Barclay Arri”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Visa- $3200 * FICO scores with source: 753 * Oldest credit card account age: 17 * 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 $: 40000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below. * Dining $: 150 * Groceries $: 600 * Gas $”
“CREDIT PROFILE / PLAYER 1, Myself * Current Credit Cards: * Capital One Venture $7,750 limit, 09/2018, * Discover It $3,000 limit, 07/2023, * Citi Custom Cash $3,000 limit, 08/2023 * FICO Score: Experian 748, Transunion 794, Equifax 788 * Oldest Open Account: Capital One Venture, 09/2018 * Number of cards approved for in the past 6 months: 0 * Number of cards approved for in the past 12 months: 0 * Number of cards approved for in the past 24 months: 0 * Annual income: $14,500 CATEGORIES * OK wit”
“My current credit limit is $25k. Is it raising the limit to lower my usage rate to increase my credit score? Credit score is roughly 780ish. Each monthly statement falls between 2k-3k. Would it even make a difference to help raise my score if I’m going to try and buy a house maybe next year? submitted by /u/gear123456789 [link] [comments]”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Apple Card, $9,400.00, 01/2023 * Chase Freedom Unlimited, $3,700.00, 07/2022 * FICO scores with source: Experian 776, Transunion 758, Equifax ? * Oldest credit card account age: 4 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 $: $70k CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?:”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover it Chrome Gas & Restaurant Credit Card * FICO scores with source: Transunion 826 * Oldest credit card account age: 4 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 $: 40000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the cate”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover It Cash Back $3500, 08/2021 * Bank of America Customized Cash Rewards $6500, 08/2022 * Apple Card $4950, 09/2025 * Bilt Blue Card $5000, 02/2026 * FICO scores with source: Experian 797 * Oldest credit card account age: 5 years * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: 2 * Cards approved in the past 24 months: 2 * Annual income $: $50,000, about to be $0 PURPOSE * Purpose”
“Current cards: Discover Student Rewards, $8000 limit, Aug 2023 Visa Accelerate Credit, $500 limit, Aug 2023 Lowes Rewards Credit, $7000 limit, mar 2025 Fico score: 774 Oldest account age: 2 years 11 months Income: $70,000 About average monthly spending: Dining: $505 Groceries: $56 Gas: $94 Travel: $201 Merchandise: $383 Services: $180 Purpose of my next card: Travel but I should get a dining one too one day Cards ive been looking at: Chase sapphire preferred and Capital one venture I am okay wit”
“Current cards: (list cards, limits, opening date) Amazon Prime Visa (Chase) $20,000 limit 2019 Cried Union Low Interest no cashback $10,000 limit 2008 FICO Score: 815 Oldest account age: 18 years Income: 120,000 Average monthly spend and categories: dining $600 groceries: $270 gas: $400 (going down new job) other: $320 Open to Business Cards: No What's the purpose of your next card? Airline/Hotel Status, Longue Access and Cash Back? Do you have any cards you've been looking at? Amex Plat”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Amex blue cash preferred , $16000 , Opened Dec 2024 * Discover it, $3000, opened Oct 2024 * Zolve, $4000, opened Aug 2023 * Us bank cash+, $500, March 2025 * Chase freedom unlimited, $5700 utilized of $8200, Jan 2026 (0 apr till Apr ‘27) * Us bank shield, $500, June 2026 * FICO scores with source: 705 (Chase credit journey) * Oldest credit card account age: 3 years * Cards approved in the past 6 months: 2 * Cards appr”
“CREDIT PROFILE* * Current credit cards you are the primary account holder of: * Chase Freedom Unlimited, $4000, 11/30/2017 * Ameris Visa Plantinum, $600, 4/14/2023 * FICO scores with source: Experian FICO 733 * Oldest credit card account age: 8 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: 0 * Annual income $: $118,537 EDIT: *I should add, the template asked for only primary cards. But I’m an authorized”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Chase Freedom $6,200 limit * Chase Sapphire Preferred $19,600 * Chase Freedom Unlimited $8,000 * BECU Visa Credit Card $14,000 * FICO scores with source: Transunion 808, Equifax 812 * Oldest credit card account age: 10 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 $: 220,000 CATEGORIES * Ok with category-specific cards”
“Current cards: (list cards, limits, opening date) Discover student, $4,500, June 2022 FICO Score: e.g. 802 Oldest account age: 4 years, 1 month Chase 5/24 status: 0/24 Income: e.g. >$32,000---I will say my income can vary. I just got a new job which seems promising and may earn me a lot more money but it's still too soon to tell right now. I also freelance, so income from that can absolutely vary from month to month/gig to gig Average monthly spend and categories: dining $450 groceries: $”
“Current cards: United Explorer (main card) ($10,000 5/2025) Capital One SavorOne ($4,000 7/2023) Discover it ($1,300 1/2023) Apple Card ($3,000 5/2024) Credit score: 749 experian Oldest account: Jan 2023 Income: 6k-10k (full time college student), spend maybe 500-700/m Goals: Strong signup bonus I can realistically earn with that spend Prefer no annual fee (unless it has something that makes it well worth it) Build long-term relationships with Chase, Capital One, or Amex since 1 of the below is”
“ UPDATED TO INCLUDE TEMPLATE Current cards: (list cards, limits, opening date) • QuickSilver 10k limit Age 2 years • FICO Score: 745 • Oldest account age: I opened the student Capital One card in October of 2021 and it was upgraded to the quicksilver in August 2025 • Income: e.g. $57,000 • Average monthly spend and categories: • dining $150 • groceries: $300 • gas: $100 • travel: put about $400 per month in savings for travel, sometimes have to take out to pay other expenses • sh”
“Age- 40 Current cards: 3 opened accounts AMEX BCE, $1000 limit, opened May 2026 2 student loans paying on time for 7 years, $14000 balance left FICO Score: 761 Average age of your accounts- 7 years 4 months Age of oldest account - 18 years 6 months Time since your newest account was opened- 2 months Inquiries- 1 •Income: $68,000 Average monthly spend and categories: Dining $400 Travel- $800 Looking for a business card- Yes Which amex card will be easier to get, Amex Blue Business Plus or Amex”
“25 Y/O CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover IT Card - 7500$, August 2023 * Alaska Atmos Rewards, 3400$, dec 2024 * Costco CITI anywhere visa, 6000$, July 2026 * FICO scores with source: Transunion 750 * Oldest credit card account age: 2023 * 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 $: 185000 CATEGORIES * Ok with category-specific cards?: Yes * Ok wi”
“Current cards: • Discover it, $4000, July 2024 • C1 Savor, $7000, May 2026 • FICO Score: 750 • Oldest account age: 4 yrs 9 mos for student loan, 2 yrs for CC • Chase 5/24 status: 1/24 • Income: $95,000 • Average monthly spend and categories: Dining: $600 Groceries: $200 Travel: TBD Gas: $150 • Open to Business Cards: No • What's the purpose of your next card? Travel or Cashback • Do you have any cards you've been looking at? CSP, Amex Gold, Blue Cash everyday • Are you OK with category s”
“Current cards: • Discover it, $3,100 limit, opened August 2024 • FICO Score: 768 • Oldest account age: 1 yr 11 mo. (Authorized user on a card that is 18 yrs. 1 mo.) • Income: e.g. $17,000 (ish, full time college student with campus job) • Average monthly spend and categories: • dining: $150 • gas: $100 • personal: $150 • other: $200 (Really depends on the month) • Open to Business Cards: No • What's the purpose of your next card? Building credit, Cashback, future travel • D”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Amex Platinum 02/2024 * Amex Gold 10/2024 * Delta Gold 08/2025 * Chase SR 05/2026 * Hilton Honors 2016 * NFCU Cash Rewards 2013 * Prime Visa 2018 * FICO scores with source: Experian 805 * Oldest credit card account age: 14 * Cards approved in the past 6 months: 1 * Cards approved in the past 12 months: 2 * Cards approved in the past 24 months: 3 * Annual income $: 120000 CATEGORIES * Ok with category-specific cards?:”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover IT, $2000 limit, 11/25 * Fidelity Rewards Visa Signature, $500 limit, 5/26 * FICO scores with source: Transunion 755 * Oldest credit card account age: 8 months * 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 $: 51,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Southwest Rapid Rewards Plus * Nest (Furniture Credit) * FICO scores with source: Chase Credit Journey 701 * Oldest credit card account age: 1 month * 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 $: 55000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spen”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover IT $8,400 limit, opened July 2023 * C1 Savor $4,500 Limit opened February 2026 * RH Gold $10,000 limit opened May 2026 * FICO scores with source: Experian 763 * Oldest credit card account age: 3 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 $: $46,000 (estimated, my side income is very inconsistent but this nu”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover it $4,600, 11/2024 * US Bank Altitude Connect $12,000, 5/2026 * FICO scores with source: TransUnion Fico 9 754 (from Discover) * Oldest credit card account age: 4 years 9 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 $: 90000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * None - looking for first card * FICO scores with source: Experian 743 * Oldest credit card account age: * Cards approved in the past 6 months: * Cards approved in the past 12 months: * Cards approved in the past 24 months: * Annual income $: 16,500 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categories below. * Dining $: 300 * Grocer”
“Current credit cards: BECU Cash Back, $40k limit, opened Apr 2022 Fidelity Rewards, $30k limit, opened Apr 2026 Venture X, $30k limit, opened May 2026 Business Ink Cash, $13k limit, opened June 2026 I am opening credit cards to get travel rewards and also churn SUBs. I want to expose myself to the Chase ecosystem while I'm under 5/24 in order to keep my travel rewards options open for the future, and also want to get Savor at some point. I'm thinking I should open CSP once BIC SUB is don”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: (list cards, limits, opening date): BoA Customized Cash Rewards $3,000 limit, 10/2025 * FICO Scores with source: My Credit (BoA) 730, Creditwise (Cap1) 757 * Oldest credit card account age with you as primary name on the account: 9 months * Number of personal credit cards approved for in the past 6 months: only CCR (+ PayPal debit) * Annual income $: 35k CATEGORIES * OK with category-specific cards?: Yes * OK with rotat”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Global Visa Credit $500 * FICO scores with source: transunion 688 equifax 688 credit karma * Oldest credit card account age: 9 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 $: 60,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: No * Estimate average monthly spend in the categor”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover it Student Cash Back Card $1,250 limit, 07/2025 * FICO scores with source: Experian 754, TransUnion 745 * Oldest credit card account age: 1 year * 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 $: 31,000 CATEGORIES * Ok with category-specific cards?: No * Ok with rotating category cards?: Yes * Estimate average monthly”
“- Current cards: (list cards, limits, opening date) - Discover IT $4,500 limit, opened December 2024 - Citi Double Cash $7,600 limit, opened February 2026 - CLOSED (Wells Fargo Reflect card, opened August 2024 • FICO Score: 744 • Oldest account age: 1 year, 10 months • Chase 5/24 status: 2/24 • Income: e.g. $160,000 • Average monthly spend and categories: • dining $1,200 • groceries: $400 • gas: $500 • travel: $0 • Open to Business Cards: No • What's the purpose of your next”
“Current cards: Discover It $11,000 limit, March 2023 Chase Freedom Unlimited $5,000 limit, Jan 2025 C1 Savor $10,000 limit, July 2026 TransUnion/EquaFax on credit karma Score: 739/740, C1 credit wise says 759 Oldest account age: e.g. 4 years 5 months Chase 5/24 status: e.g 2/24 Income: e.g. 43,500 (expecting to get a $5,000 promotion at the start September, work for a university and have decent benefits) Average monthly spend and categories: dining: $250-500 (Freedom Unlimited ) groceries: $200-”
“Current cards: Amex Plat (Add. Card Holder) No preset, April 2021 Discover it: $3,000 limit, April 2023 FICO Scores: 793 (Equifax) 702 (TransUnion) 795 (Experian) Oldest account age: 3 yrs 3 Mo Chase 5/24 status: 0/24 Income: $50,000 Average monthly spend and categories: Rent: $1,100 dining $200 groceries: $400 gas: $150 travel: $100 other: $300 Not open for business cards Next card for primarily cashback but some travel if possible Cards I’m looking at: Capital one Savor/Quicksilver, Amex Blue”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: Navy federal credit Union cash rewards: credit limit 7k Quicksilver capital one credit limit 5k Citi Bank custom cash card credit limit 3k * FICO Scores with source (see note on FICO score sources below): Equifax 719, Experian 720 * Oldest credit card account age with you as primary name on the account: 8 years * Number of personal credit cards approved for in the past 6 months: 1 * Number of personal credit cards appro”
“ • Current cards: (A) authorized user, bank of america, 8,000 limit, 2016 (B) authorized user, JPMCB, 11,000 limit, 2011 • FICO Score : 796 • Oldest account age : 15 years • Income : i’m a student (19), so I only work part time. because of this, my yearly income fluctuates, so let’s just assume max of 20k. i’m not irresponsible and would never spend more than i can pay. • Average monthly spend and categories: • dining $20 • groceries: $0 • gas: $0 • travel: $0 • other: $150 (shop”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * chase freedom $25,000 limit 12/2002 * discover card $25,000 limit 1/1994 * FICO scores with source: 774 * Oldest credit card account age: 32 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 $: 230000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend”
“CREDIT PROFILE Discover Student It, C1 Savor, Fidelity Visa Signature FICO score ~780 (transunion 8) Oldest card is Discover student it (over 2 years old, c1 savor 13 months old, fidelity visa signature 7 months old) Income (full-time student with campus jobs) ~$18k PERKS I got the Discover card for building into credit card world, don't really use unless for a revolving category (5%) C1 savor is my go-to for groceries and food, etc. (the 3% categories); I know its objectively weaker than sa”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Apple Card, $25,000, 06/2022 * Amazon Prime Visa, $10,000, 09/2021 * FICO scores with source: Experian 771 * Oldest credit card account age: 4 yrs 8 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 $: 85,000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average mont”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover It $4500 limit, 2021 * FICO scores with source: FICO 8 Discover Bank 784 * Oldest credit card account age: 5 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 $: 30000 CATEGORIES * Ok with category-specific cards?: Yes * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below”
“CREDIT PROFILE : Current credit cards: - BofA Customized Rewards (4,000 Credit, Opened 6 years ago) - Chase Freedom Unlimited (5,500 Credit, Opened 2 years ago, accumulated 70k points) - Chase Sapphire Preferred (27,000 Credit, Opened 1 month ago, almost got the $100k SUB due to moving costs.) - FICO Scores from BofA: 780 - Annual income $: $100,000 Estimates : - Don't want rotating category card. Estimating the spending on different categories is a bit tough since I'm starting my first”
“Current card - USbank cash + visa signature 8,000 limit opening date may 2018 I think? Card just got updated so it changed the account date FICO score - 733 Oldest account - 7 yearssl and 2 months Income - 45,000 Average monthly spend Dining - 500 Gas - 120 Travel - 75 Other - 150 No business cards Purpose- cash back or travel Haven't looked any cards yet Most likely general spending I just paid off this credit card fully trying to see if it would be find a different or just stay the same &#”
“Current cards: (list cards, limits, opening date) • Discover IT $2000 limit, June 2025 • FICO Score: 729 • Oldest account age: 12 months (13 months in a couple days) • Chase 5/24 status: 1/24 • Income: $28,965 • Average monthly spend and categories: • dining $175 • groceries: N/A on CC • gas: $120 • travel: N/A, maybe $50 • other: Spotify: $6.99 • Open to Business Cards: No. • What's the purpose of your next card? everyday card, build a relationship with a company, travel”
“Credit Card Recommendation(s) and card removals Current cards:Apple, Amazon, BofA (oldest card), Chase CFU, Chase CSP, Chase Southwest, C1 Savor, Bilt blue, Hawaiian airlines (Barclays) FICO Score: 750 Oldest account age: 8 years Chase: 3/24 Income: 140,000 Average monthly spend and categories: dining: $1000 groceries: $500 gas: $250 travel: $3,000 annual (always planned 3-6mo ahead min) other: $750 Rent: $2,200 ($800 reimbursed by Roomate) Open to Business Cards: No What's the purpose of yo”
“Current credit cards you are the primary account holder of: None FICO scores with source: 750 Oldest credit card account age: None 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 $: 30,000 CATEGORIES Ok with category-specific cards?: Yes? Ok with rotating category cards?: Yes? Estimate average monthly spend in the categories below. Dining $: 150 Groceries $: Fred Meyer/Costco: $100 Gas $: Fred Meyer $150 Travel”
“Current cards: (list cards, limits, opening date) Bank of America Customized Cash rewards $6,000 2 years and 11 months Chase Amazon Visa $1,500 1 years and 7 months FICO Score: 767 Oldest account age: 2 years 11 months Chase 5/24 status: e.g 1/24 I think I wasn't sure if I should include monthly spend and categories as it varies a lot through out the year a lot. For example, in the summer, is the only time I buy gas whereas during September-April is when I buy groceries. I'm going on an”
“CREDIT PROFILE Current credit cards you are the primary account holder of: Sparrow Card, $300 limit, 02/2025 FICO scores with source: 464 FICO 9 Oldest credit card account age: 6 yrs 11 mnths 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 $: 95600 CATEGORIES Ok with category-specific cards?: Yes Ok with rotating category cards?: Yes Estimate average monthly spend in the categories below. Dining $: 1500 Grocerie”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Apple Card $6600 limit, 06/2023 * Citi Double Cash $9900, 07/2024 * Discover It $9000, 11/2020 * Chase Disney Visa $14100, 07/2024 * Sam’s Club World Elite Mastercard $9999, 06/2025 * FICO scores with source: Transunion 768 * Oldest credit card account age: 6 years * Cards approved in the past 6 months: 0 * Cards approved in the past 12 months: 0 * Cards approved in the past 24 months: 3 * Annual income $: $140000 CAT”
“Hi everyone, I’m trying to plan ahead to eventually hit my goal of venture x in the end of 2027. Currently an undergrad student CREDIT PROFILE * Current credit cards you are the primary account holder of: BoA CCR 3k, Amex BCP 5k (will downgrade to BCE next year), CFU 3k, USB AltConnect 500 * FICO scores with source: 706-719 all bureaus (was 750 when i had 2 cards with oldest 8 months; so good credit habits) * Oldest credit card account age: 10 months * Cards approved in the past 6 months: 3 * Ca”
“798 Score Never Missed a payment & 21 years old. Wells Fargo Active Cash - 11K Limit 06/2023 Chase Sapphire Preferred - 12,500 Limit - 05/2025 Apple Card - 10,250 Limit - 11/2025 (applied for this card w/o a Inquiry untill I unfroze it and it hit my profile:( Best Buy Credit Card - 15K Limit - 01/2026 (only use for large BBY Purchase) Amex Gold - 02/2026 Chase Freedom Unlimited - 8K - 02/2026 Amex Blue Cash - 1K 02/2026 What would you use/stay/away or close? submitted by /u/NoAss”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: Classic Visa card through credit union - opened 2020 - used for Costco purchases as they only accept Visa (~$150 a month) Student Discover IT - opened 2022 - used for 3-4 purchases a month Amex Cash Preferred - opened 2024 - used for majority of everyday purchases * FICO Scores with source 793 - Experian 803 - From discovers app * Oldest credit card account age with you as primary name on the account: Oldest account is”
“Current cards : - Chase Sapphire Preferred, $34,300 limit, January 2023 - BofA Cash Rewards, $17,000 limit, January 2020 FICO Score : 798 (Experian) Oldest account age : 18 years Chase 5/24 status : 0/24 Income : $150,000 USD Average monthly spend and categories (purely directional, monthly spend fluctuates greatly based on reimbursed work expenses charged to my personal cc): - Dining: $850 - Groceries/delivery: $1,000 - Gas: $160 - Travel: $600 - Online shopping / general: $5,000 Work expenses”
“CREDIT PROFILE Current credit cards you are the primary account holder of: Discover It $9,000 11/2013 Amex Delta SkyMiles Blue $19,300 08/2023 Wells Fargo Active Cash $10,000 03/2024 AAA Daily Advantage Visa Signature $20,000 06/2025 Chase Freedom Unlimited $17,300 06/2022 CapitalOne Venture One $5,000 06/2019 BofA Unlimited Cash Rewards Visa Signature $13,500 04/2024 FICO scores with source: Experian 814, Equifax 818 Oldest credit card account age: 12 years 6 months Cards approved in the past 6”
“CREDIT PROFILE * Current credit cards you are the primary account holder of: * Discover $15,000 limit, 8/2013 - current main card ~5k month avg revolving * BankAmericard $12,000 limit, 9/2022 (has 8k as 0% currently) * Amazon Prime Visa $16,000 limit, 12/2015 * Elan Visa, $25,000 limit, 5/2012 * Citi Diamond Preferred $12,000 limit, 12/2023 * Citi Simplicity $3500 limit, 5/2024 * Chase Freedom Unlimited $21,000, 9/2020 - unsure on this card was added as a user on it under my parents, but credit”
“* Current credit cards you are the primary account holder of: * Discover, $28,700, 4/2013 * FICO scores with source: Transunion 816 * Oldest credit card account age: 13 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 $: 150,000 CATEGORIES * Ok with category-specific cards?: No, Maybe with the right card * Ok with rotating category cards?: Yes * Estimate average monthly spend in the categories below”