It is recommended to use this template if you would like replies to your post.
Current cards: (list cards, limits, opening date)
e.g. Amex BCP $8,000 limit, May 2019
FICO Score: e.g. 750
Oldest account age: e.g. 5 years 6 months
Chase 5/24 status: e.g 2/24
Income: e.g. $80,000
Average monthly spend and categories:
dining $800
groceries: $400
gas: $100
travel: $100
other: $30
Open to Business Cards: e.g. No
What's the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback
Do you have any cards you've been looking at?
Are you OK with category spending or do you want a general spending card?
Common Abbreviations and Lingo:
FICO Score - This is the score used by 90% of credit issuers (This is NOT the score given by Credit Karma, Credit Sesame, Capital One, etc.) (MyFICO.com, Experian.com, CreditScoreCard.com are FICO scores)
AAoA - Average age of all of your accounts.
2/30 Chase rule - A rule of no more than two Chase credit card applications every 30 days
5/24 Chase rule - A rule where if you've opened 5 or more accounts in the past 24 months you cannot get approved for a new Chase card.
AF - Annual Fee
SuB - Sign-up Bonus
MSR - Minimum Spending Requirement (usually referring to sign-up bonuses)
2/90 AmEx rule - A rule where you can only get approved for 2 AmEx cards in 90 days
1/5 AmEx rule - A rule where you can only get approved for 1 AmEx card every 5 days
Hard to describe but if I have coffee sometimes I get this like tunnel vision / high contrast effect with my eyes, which I can assume is a result of caffeination.
Anyone else? No, just me? Ok I guess I’m crazy then.
Does anyone else have gnats still on their windows screen, months after the initial wave of them? These midges are everywhere, and my apartment complex keeps telling me they will be gone in a couple weeks, every couple of weeks!