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CREDIT PROFILE
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Current credit cards you are the primary account holder of:
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Capital One $1000 - 09/2024
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FICO scores with source: Experian 742 Transunion 716 Equifax 714
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Oldest credit card account age: 1
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Cards approved in the past 6 months: 0
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Cards approved in the past 12 months: 1
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Cards approved in the past 24 months: 1
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Annual income $: 215000
CATEGORIES
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Ok with category-specific cards?: Yes
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Ok with rotating category cards?: Yes
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Estimate average monthly spend in the categories below.
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Dining $: 800
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Groceries $: 2500
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Gas $: 700
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Travel $: 2200
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Using abroad?: Yes
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Other categories or stores: No
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Other spend:
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Pay rent by card? Yes, amount and fee: 3100 + 3%
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MEMBERSHIPS & SUBSCRIPTIONS
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Amazon Prime member: Yes
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Costco or Sam's Club member: Both
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You or spouse active US military: Yes
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Open to business cards: Yes
PURPOSE
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Purpose of next card: Travel Rewards
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Cards being considered:
Which Secured Credit Card Is Reputable For $10,000?
I'd credit cards in the past with only $1,000 limit due to me being a student however I paid that card off. Now I'm back in it and applied with my bank for a credit card. I just don't want to make any mistakes on this card with a huge credit limit. The reason why I applied for it because if you make $1,000 of purchase in 90 days you will get $200 cash and 0% introductory APR for 12 months on purchases. After that, a variable APR between 15.99% - 25.99%. Any tips on how to handle this credit card properly with the given limit? The lady told me to not go over 30% of the
I’m a recent college grad who’s beginning a full time position in a job where I’ll be traveling every week. The company covers all expenses, but I need to cover them up front and then I’d get reimbursed the following month. I’ve never had a credit card before and I looked on credit karma today and my score is about 670, but I’d need a limit of $5,000 or more. I could potentially open multiple cards but just looking for the highest limit card for somebody in my shoes. I could also use a company credit card but that’s not ideal because I want to start building my own credit and get some rewards.
There are those with credit limits of $10K+, and even $100K+. I am curious to know what benefit is there to have a credit limit for a single card above $10K. Isn’t it irresponsible for the average person to spend so much on a credit card? Wouldn’t the safer option be a debit card in that case? Let me know what are your thoughts.