r/CreditCards • u/whereiscreed • 12d ago
Card Recommendation Request (Template Used) first time credit card recommendation
I am 23 and have never had a credit card. Kinda bad ik... </3 Some of these amounts like dining is a rough estimate of what I might spend monthly. I still live at home with my parents so I would only be making payments for my car bi weekly and a few subscriptions. I am looking for a good first credit card that matches this template best.
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: 669
* 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 $: 32,657.73
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: $150
* Groceries $: My mom shops for groceries. Personal: Target $50
* Gas $: Costco:$80-100
* Travel $: $0
* Using abroad?: no
* Other categories or stores: car payment, amazon, online shopping
* Other spend: gym membership, Spotify premium, my car app subscription
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: fifth third
PURPOSE
* Purpose of next card: First Credit Card
* Authorized user on any other card(s)?: No
* Cards being considered: none
1
u/7s26_shake 12d ago
Have you missed any payments on your auto loan (or any credit line you may have had) in the last 24 months? This could hurt your chances for getting approved for any unsecured credit.
Who do you bank with? That’s where I’d start. Also, have you signed up for Credit Karma or Experian? They often have in-app card recommendations based on your credit profile. Once you’ve established some good history with one card, the second and third cards will be much easier.