CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: 711
* Oldest credit card account age: None
* Cards approved in the past 6 months: None
* Cards approved in the past 12 months: None
* Cards approved in the past 24 months: None
* 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 $: 400
* Groceries $: 500
* Gas $: 100
* Travel $: 300
* Using abroad?: No
* Other categories or stores: Dog cleanup (poop scoopers $80/month), groomers ($30/month), craft
* Other spend: Spotify, netflix, kindle books
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Big bank customer: Wells Fargo, SoFi (HYSA), Vanguard (Roth IRA)
PURPOSE
* Purpose of next card: First Credit Card
* Authorized user on any other card(s)?: No
* Cards being considered: unsure but discover makes me uneasy
ADDITIONAL INFO
I’m looking to build credit and open a card that is a solid, steady, long-term option (as I’ve seen that closing the first credit line you open can really hurt your score down the line). I’m not looking for anything crazy where I have to put a bunch of time into tracking and high effort point redemption.